Insurance broker / Total disability insurance / Policy wording archive Total disability
Allianz Erwerbsunfähigkeitsvorsorge: the policy wording in full
Erwerbsunfähigkeitsvorsorge als Baustein auf Grundlage der BU-Bedingungen: geleistet wird, wenn voraussichtlich mindestens drei Jahre nicht mehr als drei Stunden täglich irgendeine Erwerbstätigkeit möglich ist, Krankschreibungsleistungen entfallen.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.98 out of 5 stars from 5,042 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with Allianz.
- AI has advised
- 2Your details
- Application to Allianz
Thank you, we have your application.
We prepare it with Allianz and get back to you with the documents.
Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Allianz
Erwerbsunfähigkeitsvorsorge.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured disability pension (monthly) or lump sum | not addressed | ||
| Product form: standalone policy or rider | yes | „Folgende Änderung der Versicherungsbedingungen für die Bausteine zur …“ | Klausel EV 0025, page 1 |
| Incapacity if less than three hours a day on the general labour market | yes | „außerstande ist, mehr als drei Stunden täglich irgendeine Erwerbstätigkeit auszuüben“ | Klausel EV 0025, page 1 |
| Incapacity defined as inability to do any work (strict test, e.g. absolute invalidity) | none | „Zu den Erwerbstätigkeiten zählen alle Tätigkeiten des allgemeinen Arbeitsmarktes und …“ | Klausel EV 0025, page 1 |
| Benefit for partial incapacity (about three to under six hours) | not addressed | ||
| Prognosis period (expected for at least six months or permanently) | yes | „voraussichtlich mindestens 3 Jahre“ | Klausel EV 0025, page 1 |
| Deemed incapacity after six months of continuous incapacity | not addressed | ||
| Labour market situation disregarded (no benefit just because no job is available) | yes | „die jeweilige Arbeitsmarktlage bleiben unberücksichtigt“ | Klausel EV 0025, page 1 |
| Recognition of statutory reduced earning capacity (pension authority decision) suffices as proof | not addressed | ||
| Retroactive benefit on late notification (deadline) | not addressed | ||
| Worldwide cover | not addressed | ||
| Maximum end age of the insurance term | not addressed | ||
| Maximum end age of the benefit term | not addressed |
Distinction from occupational disability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Previous occupation and social status are irrelevant | yes | „Die bisherige Lebensstellung, insbesondere das bisherige berufliche Einkommen“ | Klausel EV 0025, page 1 |
| Option to switch to occupational disability cover without new health check | not addressed | ||
| Deadlines and conditions of the switch option (age, education, maximum pension) | not addressed | ||
| Insurable for pupils, students and apprentices | not addressed | ||
| Available for high-risk occupations or those declined for BU | not addressed | ||
| Simplified health questions compared with occupational disability | not addressed | ||
| Additional benefit for loss of basic abilities (sight, walking, hands) | not addressed |
Care, sick leave, illnesses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit for long-term care need regardless of incapacity | not addressed | ||
| Measure of care need (care points, care grade, ADL) | not addressed | ||
| Benefit for dementia | not addressed | ||
| Benefit during prolonged sick leave | no | „Sofern die Versicherungsbedingungen zu diesem Vertrag Regelungen zu Leistungen wegen …“ | Klausel EV 0025, page 1 |
| Maximum duration of sick leave benefit | not addressed | ||
| Lump sum for critical illness | not addressed | ||
| Immediate cover for care or accident before waiting period ends | not addressed |
Adjustments and options
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Guaranteed increase without new health check | not addressed | ||
| Events for the guaranteed increase (marriage, birth, income) | not addressed | ||
| Maximum amounts of the guaranteed increase | not addressed | ||
| Premium indexation | not addressed | ||
| Guaranteed pension increase during the claim | not addressed | ||
| Option to extend the term | not addressed | ||
| Premium deferral (unemployment, parental leave, claim assessment) | not addressed | ||
| Reinstatement without new health check | not addressed |
Claims and review
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium waiver during the claim | not addressed | ||
| Waiting or deferment period before benefits | not addressed | ||
| Notice deadline with loss of benefit if late | not addressed | ||
| Examination by the insurer's doctors | not addressed | ||
| Obligation to undergo treatment or surgery | not addressed | ||
| Deadline for the insurer's claim decision | not addressed | ||
| Time-limited acknowledgement possible | not addressed | ||
| Review: scope and intervals | not addressed | ||
| Individual agreement on benefits possible | not addressed | ||
| Reintegration aid when benefits end | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of war and civil unrest | not addressed | ||
| Exclusion of nuclear energy and NBC weapons | not addressed | ||
| Exclusion of terrorism | not addressed | ||
| Exclusion of dangerous sports or aviation | not addressed | ||
| Exclusion of motor sport and races | not addressed | ||
| Exclusion of self-harm or attempted suicide | not addressed | ||
| Exclusion of mental illness | not addressed | ||
| Exclusion for alcohol, drugs or medication abuse | not addressed | ||
| Exclusion for intentional criminal act | not addressed |
Contract and disclosure
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Look-back period of health questions | not addressed | ||
| Insurer's period for rescission due to non-disclosure | not addressed | ||
| Waiver of rights for innocent non-disclosure | not addressed | ||
| No duty to report change of job, hobby or stay abroad | not addressed | ||
| No ordinary right of cancellation for the insurer | not addressed | ||
| For riders: dependence on the base policy | yes | „Sofern in anderen Bedingungen zu dem Vertrag Regelungen an einen Baustein …“ | Klausel EV 0025, page 1 |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Absolute permanent incapacity for any occupation covered | not addressed | ||
| Total permanent incapacity for usual occupation also covered | not addressed | ||
| Severe invalidity (third-party help) with extra benefit | not addressed | ||
| Irreversibility as a requirement | not addressed | ||
| Covered for accidents only (not illness) | not addressed | ||
| End age of the invalidity cover (often 65) | not addressed | ||
| Benefit as lump sum or annuity | not addressed | ||
| Extraordinary risks via the Consorcio de Compensación de Seguros | 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Allianz Lebensversicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Erklärung EV 0025: Versicherung gegen Erwerbsunfähigkeit, Begriffe Berufsunfähigkeit ersetzt durch Erwerbsunfähigkeit Edition: Erklärung EV 0025, (11V) 0.12.19 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 Allianz Erwerbsunfähigkeitsvorsorge and available as plain
text.
Volltext Allianz Erwerbsunfähigkeitsvorsorge Erwerbsunfähigkeit · As text (Markdown) Allianz Erwerbsunfähigkeitsvorsorge Total disability