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SIGNAL IDUNA SI WorkLife EXKLUSIV für Beamte: the policy wording in full
Berufsunfähigkeitsversicherung mit Dienstunfähigkeitsklausel im Grundwerk: Entlassung oder Versetzung in den Ruhestand aufgrund amtsärztlichen Zeugnisses gilt als Berufsunfähigkeit, mit konkreter Verweisung auch im Ruhestand; Vollzugsdienstunfähigkeit ist als Klausel für 30 Monate wählbar.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for SIGNAL IDUNA SI WorkLife EXKLUSIV
für Beamte.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured monthly pension on unfitness for service or occupational disability (maximum, share of salary) | yes, up to the sum insured | „Wir zahlen die versicherte Berufsunfähigkeitsrente, längstens bis zum Ablauf der …“ | § 1 Abs. 1, page 2 |
| Product form: stand alone cover for unfitness for service, occupational disability cover with a civil servant clause, or rider | yes | „Allgemeine Bedingungen für SI WorkLife EXKLUSIV (Berufsunfähigkeitsversicherung)“ | Titel, page 1 |
| Who can be insured (federal, state and municipal civil servants, judges, soldiers, church officials) | yes | „gilt für Richter und Kirchenbeamte“ | § 2, page 3 |
| Benefit for occupational disability from 50 percent alongside unfitness for service | yes | „Es besteht kein Anspruch auf die Leistungen nach § 1 Absatz 1, wenn der Grad der …“ | § 2 Abs. 1, page 2 |
| Retroactive payment after late notification | no | „später als 3 Monate nach ihrem Eintritt in Textform mitgeteilt, entsteht der Anspruch …“ | § 1 Abs. 2, page 2 |
| Worldwide cover, including postings abroad | yes | „Der Versicherungsschutz gilt weltweit.“ | § 1 Abs. 8, page 1 |
| Maximum age at which cover ends (matched to the retirement age of the career) | not addressed |
Clause on unfitness for service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General unfitness for service counts as occupational disability (clause present) | yes | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Genuine clause: the insurer follows the employer's decision without its own medical review | yes | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Insurer reserves its own review of unfitness for service (non genuine clause) | not addressed | ||
| Retirement on grounds of general unfitness for service triggers the benefit | yes | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Dismissal on grounds of general unfitness for service triggers the benefit (complete clause) | yes | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Certificate or report of the public medical officer is sufficient proof | yes | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Benefit only if unfitness rests solely on health grounds | not addressed | ||
| Partial unfitness for service (limited fitness) insured | not addressed | ||
| Benefit for the whole period of unfitness up to the agreed end | yes | „Wir zahlen die versicherte Berufsunfähigkeitsrente, längstens bis zum Ablauf der …“ | § 1 Abs. 1, page 2 |
| Benefit period for unfitness limited in time (for example 15 years, or a few years for officials on revocable appointment) | none | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Benefit also for occupational disability without a formal finding of unfitness for service | yes | „Bei Beamten bzw. Richtern und Kirchenbeamten gilt zusätzlich“ | § 2 Abs. 1, page 2 |
| Waiver of abstract referral to another occupation | yes | „Wir verzichten auf die abstrakte Verweisung.“ | § 2 Abs. 1, page 2 |
| Concrete referral to another occupation actually pursued | yes | „nicht oder nicht mehr vor, wenn eine andere Tätigkeit nach Absatz 7 ausgeübt wird.“ | § 2 Abs. 5, page 3 |
| Reappointment to service (reactivation): benefit ends | yes | „die Berufsunfähigkeit im Sinne dieser Bedingungen nicht mehr“ | § 1 Abs. 3, page 2 |
Civil servant status and career
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Officials on revocable appointment (trainees) insured with the clause | yes | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Officials on probation insured with the clause | yes | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Officials with lifetime tenure insured with the clause | yes | „aufgrund eines amtsärztlichen Zeugnisses oder ... wegen allgemeiner Dienstunfähigkeit …“ | § 2 Abs. 5, page 3 |
| Fixed term officials and fixed term soldiers insured | not addressed | ||
| Change of status without new health check and without duty to notify | not addressed | ||
| Leaving the civil service: continuation as occupational disability cover | not addressed | ||
| Becoming a civil servant after inception: clause applies automatically or can be added without health check | not addressed | ||
| Starter scheme: higher pension or reduced premium in the first years of service | not addressed | ||
| Matched to the five year qualifying period of the civil service pension (pension falls once entitlement exists) | not addressed | ||
| Civil service pension or transitional pay is set off against the benefit | not addressed |
Special unfitness for service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Unfitness for police service insured | yes | „Bei versicherten Beamten des Vollzugsdienstes gilt die Entlassung bzw. Versetzung in …“ | Vollzugsdienstunfähigkeitsklausel, page 1 |
| Unfitness for fire service insured | not addressed | ||
| Unfitness for prison service insured | yes | „Bei versicherten Beamten des Vollzugsdienstes gilt die Entlassung bzw. Versetzung in …“ | Vollzugsdienstunfähigkeitsklausel, page 1 |
| Soldiers: unfitness for military service of career and fixed term soldiers insured | not addressed | ||
| Special unfitness: benefit on the finding itself, even if the official moves to another branch | no | „Bei versicherten Beamten des Vollzugsdienstes gilt die Entlassung bzw. Versetzung in …“ | Vollzugsdienstunfähigkeitsklausel, page 1 |
| Benefit period for special unfitness limited (for example 30 or 72 months) | yes | „erfolgen für 30 Monate.“ | Vollzugsdienstunfähigkeitsklausel, page 1 |
| Special unfitness insured only up to a certain age | not addressed | ||
| Missions abroad of soldiers and police (humanitarian aid, peacekeeping mandates) insured | not addressed |
Adjustments and options
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Guaranteed increase without new health check | not addressed | ||
| Service related events for increases: lifetime appointment, promotion, higher pay grade | not addressed | ||
| Premium indexation available, refusal without losing the right | not addressed | ||
| Guaranteed pension increase during a claim | not addressed | ||
| Extension option if the retirement age of the career is raised | not addressed | ||
| Reducing the pension after lifetime appointment with the right to restore it later | not addressed | ||
| Premium deferral or break during payment difficulties, parental leave or leave of absence | yes | „Ihr Recht auf Beitragspause besteht nur, wenn“ | § 18 Abs. 3, page 11 |
| Benefit for prolonged sick leave (incapacity for work clause) for civil servants | not addressed |
Benefits and claims
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium waiver during a claim | yes | „Wir befreien Sie von der Beitragszahlungspflicht für diese“ | § 1 Abs. 1, page 2 |
| Reintegration aid on return to service | yes, up to EUR 10,000 | „zahlen wir für weitere 12 Monate die versicherten Leistungen, höchstens jedoch …“ | § 11 Abs. 1, page 9 |
| Benefit for need of care regardless of unfitness for service | yes | „Berufsunfähigkeit infolge Pflegebedürftigkeit“ | § 2, page 2 |
| Infection clause (ban on working under infection protection law), relevant for teachers and health services | yes | „Berufsunfähigkeit aufgrund Tätigkeitsverbots (Infektionsklausel)“ | § 2, page 3 |
| Evidence for a claim: deed or notice of retirement or dismissal | yes | „die Entlassungs- bzw. Ruhestandversetzungs-Verfügung des Dienstherrn mit den zur …“ | § 9 Abs. 1 g), page 8 |
| Deadline for the insurer's claims decision | not addressed | ||
| Review: insurer may check whether unfitness continues | yes | „sind wir berechtigt, das Fortbestehen der Berufsunfähigkeit nachzuprüfen. Dabei können …“ | § 12 Abs. 1, page 9 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| No benefit on dismissal or removal for disciplinary reasons | not addressed | ||
| War and civil unrest excluded (exceptions for official duties) | yes | „Kriegs- oder Bürgerkriegsereignisse, es sei denn, das die Berufsunfähigkeit …“ | § 7 Abs. 2 a), page 7 |
| Terrorist attacks excluded | yes | „atomaren, biologischen oder chemischen Waffen bei terroristischen Akten“ | § 7 Abs. 2 f), page 7 |
| Deliberately caused illness or self harm excluded | yes | „durch absichtliche Herbeiführung von Krankheit oder mehr als altersentsprechendem …“ | § 7 Abs. 2 c), page 7 |
| Mental illness excluded or restricted | none | „davon, wie es zu der Berufsunfähigkeit gekommen ist.“ | § 7 Abs. 1, page 7 |
Contract and disclosure
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Period covered by health questions (simplified questions for trainees) | not addressed | ||
| Period in which the insurer may rely on a breach of disclosure | yes | „Nach Ablauf von 5 Jahren seit Vertragsschluss erlöschen unsere Rechte zum Rücktritt …“ | § 8 Abs. 16, page 8 |
| Waiver of withdrawal, termination and adjustment for innocent non disclosure | not addressed | ||
| No ordinary right of termination for the insurer | not addressed | ||
| No duty to report a change of career, employer or risky hobbies | not addressed |
Specific to Austria and Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Austria: retirement for permanent unfitness for service (section 14 BDG) accepted as proof of occupational disability | not addressed | ||
| Spain: retirement for permanent incapacity for service (Clases Pasivas, MUFACE) as insured event | not addressed | ||
| Spain: daily benefit during sick leave (temporary incapacity), compensates the cut in pay | not addressed | ||
| Spain: compensation by scale (fixed days per diagnosis) instead of actual duration | not addressed | ||
| Spain: franchise (waiting days before payment starts) | not addressed | ||
| Spain: maximum payment period per case and per year | not addressed |
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Policy wordings and provider
- Legal entity
- SIGNAL IDUNA Lebensversicherung AG
- Distribution
- brokers and direct
- Allgemeine Bedingungen für SI WorkLife EXKLUSIV (Berufsunfähigkeitsversicherung) (2319505) Edition: Fassung 01.2026 Original from the insurer (PDF, German)
- Vollzugsdienstunfähigkeitsklausel zur Berufsunfähigkeitsversicherung SI WorkLife EXKLUSIV (2329401) Edition: 2329401 Jan22 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for SIGNAL IDUNA SI WorkLife EXKLUSIV für Beamte and available as
plain text.
Volltext SIGNAL IDUNA SI WorkLife EXKLUSIV für Beamte Dienstunfähigkeit · As text (Markdown) SIGNAL IDUNA SI WorkLife EXKLUSIV für Beamte Service disability