Basic Ability Insurance
Protect your essential abilities, regardless of your profession
Basic ability insurance (Grundfähigkeitsversicherung) protects you against income loss if you lose a fundamental ability, such as walking, hearing, or lifting weight. Unlike occupational disability insurance, it does not depend on your profession: it covers the loss of the ability itself.
Benefits of this insurance
Monthly income payment is triggered by the loss of just one insured basic ability.
It doesn't matter whether you can still work fully or partially: the income is paid for the loss of the ability itself.
Choose between the Basic, Plus, and Premium packages, depending on the number of insured abilities.
You can extend coverage with protection for serious illnesses and/or psychological conditions.
Coverage comparison
| Basic | Plus | Premium | |
|---|---|---|---|
| Hearing | |||
| Sight | |||
| Speech | |||
| Lifting and carrying | |||
| Standing | |||
| Walking | |||
| Climbing stairs | |||
| Grip and hand use | |||
| Intellect and mental capacity |
Indicative comparison of covered abilities by package. The final policy specifies the complete list.
What is covered
Loss of an insured ability
If you predictably and permanently lose an ability included in your package, you receive the agreed monthly income.
Waiting period by package
Income is triggered after six months (Plus and Premium packages) or twelve months (Basic package) of continuous loss.
Income until retirement
If the loss is permanent, income is paid until the start of your retirement pension or the end of the contract.
Serious illness and mental health modules
You can supplement the policy with specific coverage for serious illnesses and psychological conditions.
What is not covered
Short-term temporary losses
Coverage requires the loss of ability to be predictably permanent, not a temporary limitation.
Abilities not included in the chosen package
Only the abilities listed in the chosen package (Basic, Plus, or Premium) are covered.
Real claim examples
Loss of sight due to illness
A client permanently loses their sight due to an eye disease and receives the agreed monthly income, regardless of whether they could still perform another task.
Loss of mobility after an accident
A client who loses the ability to walk after an accident receives her monthly income starting from the sixth month of the loss.
Frequently asked questions
How does it differ from occupational disability insurance?
Occupational disability insurance protects your specific last profession; basic ability insurance protects essential abilities such as walking, hearing, or seeing, regardless of your profession.
Who is it best suited for?
Especially recommended for people in physical or manual professions, for whom occupational disability insurance may be more expensive or difficult to obtain.
Can I combine both insurances?
Yes, many people combine both insurances for more comprehensive income protection.
How much does this insurance cost?
Prices start around €32.70 per month, though they depend on your age, profession, contract term, and sum insured.
Want to protect your essential abilities?
Tell us your profession and age, and we will help you choose the right coverage package.
Request free advice