Occupational Disability Insurance
Your ability to work is your most valuable asset: protect it
Your ability to work is the foundation of your life—it makes your dreams possible, shapes your daily routine, and secures your future. With our occupational disability insurance (BU), you protect this valuable asset reliably and tailored to your life situation.
Benefits of this insurance
If you can no longer practice your last profession due to illness, accident, or psychological problems, you receive an agreed monthly income.
You are not required to accept another occupation, even if you could theoretically perform it despite your limitation.
Optionally, the policy can also cover long-term sick leave situations before total disability is declared.
Includes, for a set period, additional benefits in the event of a cancer diagnosis.
What is covered
Disability of at least 50%
You receive the agreed monthly income when you cannot perform your last profession by at least 50% during the agreed contract term.
Renewal guarantee
You can increase your income without a new medical exam for life events such as marriage, children, or buying a home.
Prolonged sick leave situation (optional)
With the additional coverage, you also receive benefits if you have been on sick leave for at least three months and a further three-month extension is expected.
What is not covered
Disability below 50%
If the degree of disability is below 50%, the disability income is not paid, except in cases of proven need for care.
Return to work
If you are no longer disabled or the degree drops below 50%, benefits stop and premium payments resume.
Real claim examples
Disability income after a work accident
A client who suffers an accident and can no longer continue in their profession receives a guaranteed monthly income for the duration of their disability.
Disability due to chronic illness
A client diagnosed with a disabling chronic illness receives the agreed income continuously, with no need to take up another profession.
Frequently asked questions
Is it recommended for everyone?
Yes, it is recommended for anyone who depends on their work income, since illness or accident can affect anyone.
What does "no abstract referral" mean?
It means you are not required to take up a different occupation than your own, even if you could theoretically perform it despite your limitation.
Can I increase the income later?
Yes, with a renewal guarantee you can increase the income without a new medical exam for certain life events.
Want to protect your ability to earn an income?
Tell us your profession and age, and we will help you calculate the right income for you.
Request free advice