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Zurich BerufsKasko mit Leistung bei allgemeiner Dienstunfähigkeit: the policy wording in full
Berufsunfähigkeitsversicherung BerufsKasko, bei der die Rente infolge allgemeiner Dienstunfähigkeit als Baustein vereinbart werden kann; ausgewertet ist nur die Produktinformation in einfacher Sprache.
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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 Zurich BerufsKasko mit Leistung
bei allgemeiner Dienstunfähigkeit.
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 | „Wenn die versicherte Person berufsunfähig wird, zahlen wir für die Dauer der“ | Was ist versichert?, page 1 |
| Product form: stand alone cover for unfitness for service, occupational disability cover with a civil servant clause, or rider | yes | „für den Fall der Dienstunfähigkeit und der Arbeitsunfähigkeit.“ | Um welche Art von Versicherung handelt es sich?, page 1 |
| Who can be insured (federal, state and municipal civil servants, judges, soldiers, church officials) | not addressed | ||
| Benefit for occupational disability from 50 percent alongside unfitness for service | yes | „ununterbrochen zu mindestens 50 % nicht ausüben konnte.“ | Was ist versichert?, page 1 |
| Retroactive payment after late notification | not addressed | ||
| Worldwide cover, including postings abroad | not addressed | ||
| 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 | „Bei allgemeiner Dienstunfähigkeit zahlen wir für die Dauer der Dienstunfähigkeit die“ | Was ist versichert?, page 2 |
| Genuine clause: the insurer follows the employer's decision without its own medical review | not addressed | ||
| 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 | not addressed | ||
| Dismissal on grounds of general unfitness for service triggers the benefit (complete clause) | not addressed | ||
| Certificate or report of the public medical officer is sufficient proof | not addressed | ||
| 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 | „Bei allgemeiner Dienstunfähigkeit zahlen wir für die Dauer der Dienstunfähigkeit die“ | Was ist versichert?, page 2 |
| Benefit period for unfitness limited in time (for example 15 years, or a few years for officials on revocable appointment) | not addressed | ||
| Benefit also for occupational disability without a formal finding of unfitness for service | not addressed | ||
| Waiver of abstract referral to another occupation | not addressed | ||
| Concrete referral to another occupation actually pursued | not addressed | ||
| Reappointment to service (reactivation): benefit ends | not addressed |
Civil servant status and career
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Officials on revocable appointment (trainees) insured with the clause | not addressed | ||
| Officials on probation insured with the clause | not addressed | ||
| Officials with lifetime tenure insured with the clause | not addressed | ||
| 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 | not addressed | ||
| Unfitness for fire service insured | not addressed | ||
| Unfitness for prison service insured | not addressed | ||
| 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 | not addressed | ||
| Benefit period for special unfitness limited (for example 30 or 72 months) | not addressed | ||
| 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 | not addressed | ||
| Benefit for prolonged sick leave (incapacity for work clause) for civil servants | yes | „Leistungen aufgrund von Arbeitsunfähigkeit zahlen wir längstens für 24 Monate.“ | Was ist versichert?, page 2 |
Benefits and claims
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium waiver during a claim | yes | „Solange wir Leistungen aus der Versicherung zahlen, müssen Sie keine Beiträge zahlen.“ | Wann zahle ich?, page 3 |
| Reintegration aid on return to service | not addressed | ||
| Benefit for need of care regardless of unfitness for service | yes | „zahlen wir für die Dauer der Pflegebedürftigkeit Leistungen in Höhe der“ | Was ist versichert?, page 1 |
| Infection clause (ban on working under infection protection law), relevant for teachers and health services | not addressed | ||
| Evidence for a claim: deed or notice of retirement or dismissal | not addressed | ||
| Deadline for the insurer's claims decision | not addressed | ||
| Review: insurer may check whether unfitness continues | not addressed |
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 | „innere Unruhen, sofern die versicherte Person auf Seiten der Unruhestifter“ | Was ist nicht versichert?, page 2 |
| Terrorist attacks excluded | not addressed | ||
| Deliberately caused illness or self harm excluded | yes | „eine absichtliche Selbstverletzung oder eine absichtliche Herbeiführung einer Krankheit.“ | Was ist nicht versichert?, page 2 |
| Mental illness excluded or restricted | not addressed |
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 | not addressed | ||
| 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 |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Zurich Deutscher Herold Lebensversicherung Aktiengesellschaft
- Distribution
- not known
- BerufsKasko, Information in einfacher Sprache (DB/PB 2025-12) Edition: Produktinformation gemäß Barrierefreiheitsstärkungsgesetz, 2025-12 laut Liste 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 Zurich BerufsKasko mit Leistung bei allgemeiner
Dienstunfähigkeit and available as plain text.
Volltext Zurich BerufsKasko mit Leistung bei allgemeiner Dienstunfähigkeit Dienstunfähigkeit · As text (Markdown) Zurich BerufsKasko mit Leistung bei allgemeiner Dienstunfähigkeit Service disability