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Zurich ErwerbsKasko: the policy wording in full
Selbstständige Erwerbsunfähigkeitsversicherung ErwerbsKasko mit monatlicher Rente, wenn voraussichtlich sechs Monate weniger als drei Stunden täglich gearbeitet werden kann, und Rente auch bei Pflegebedürftigkeit.
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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 Zurich ErwerbsKasko.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured disability pension (monthly) or lump sum | yes | „zahlen wir für die Dauer der Erwerbsunfähigkeit eine monatliche Rente“ | Was ist versichert? / Was ist nicht versichert?, page 1 |
| Product form: standalone policy or rider | not addressed | ||
| Incapacity if less than three hours a day on the general labour market | yes | „außerstande ist, mindestens 3 Stunden täglich eine Erwerbstätigkeit auszuüben“ | Was ist versichert? / Was ist nicht versichert?, page 1 |
| Incapacity defined as inability to do any work (strict test, e.g. absolute invalidity) | not addressed | ||
| Benefit for partial incapacity (about three to under six hours) | not addressed | ||
| Prognosis period (expected for at least six months or permanently) | yes | „voraussichtlich für die Dauer von 6 Monaten ununterbrochen“ | Was ist versichert? / Was ist nicht versichert?, page 1 |
| Deemed incapacity after six months of continuous incapacity | not addressed | ||
| Labour market situation disregarded (no benefit just because no job is available) | not addressed | ||
| 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 | not addressed | ||
| 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 | yes | „zahlen wir für die Dauer der Pflegebedürftigkeit Leistungen in Höhe der vereinbarten …“ | Was ist versichert? / Was ist nicht versichert?, page 2 |
| Measure of care need (care points, care grade, ADL) | not addressed | ||
| Benefit for dementia | not addressed | ||
| Benefit during prolonged sick leave | not addressed | ||
| 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 | yes | „Solange wir Leistungen aus der Versicherung zahlen, müssen Sie keine Beiträge zahlen.“ | Wann zahle ich?, page 2 |
| 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 | yes | „innere Unruhen, sofern die versicherte Person auf Seiten der Unruhestifter teilgenommen …“ | Was ist versichert? / Was ist nicht versichert?, page 2 |
| Exclusion of nuclear energy and NBC weapons | yes | „Strahlen infolge Kernenergie“ | Was ist versichert? / Was ist nicht versichert?, page 2 |
| 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 | yes | „eine absichtliche Selbstverletzung oder eine absichtliche Herbeiführung einer Krankheit“ | Was ist versichert? / Was ist nicht versichert?, page 2 |
| Exclusion of mental illness | not addressed | ||
| Exclusion for alcohol, drugs or medication abuse | not addressed | ||
| Exclusion for intentional criminal act | yes | „die vorsätzliche Ausführung oder der Versuch einer Straftat durch die versicherte Person“ | Was ist versichert? / Was ist nicht versichert?, page 2 |
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 | not addressed |
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
- Zurich Deutscher Herold Lebensversicherung Aktiengesellschaft
- Distribution
- not known
- Zurich ErwerbsKasko, Produktbeschreibung in einfacher Sprache (Zurich Deutscher Herold Lebensversicherung AG) Edition: 12/2025 laut Dateiname 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 ErwerbsKasko and available as plain text.
Volltext Zurich ErwerbsKasko Erwerbsunfähigkeit · As text (Markdown) Zurich ErwerbsKasko Total disability