Secure income, shape the future.

Protect your income if illness or an accident stops you from working – with nextsure's occupational disability insurance. Individual tariffs, concluded digitally.

Monthly pension
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What is occupational disability insurance (BU) and why is it essential?

Existential Security
Every fourth person affected
Often inadequate by the state
Various Causes

For whom is disability insurance particularly important?

Disability insurance is essential for almost every working individual, especially for employees whose income forms the primary financial foundation, as well as for self-employed and freelance professionals who often lack alternative social security. It is also indispensable for young professionals, students, and trainees, as they can benefit from favourable entry conditions and secure their entire professional future. Fathers and mothers who bear the responsibility as the main earners should also not forego this protection, in order to safeguard their relatives from financial hardships in the event of an emergency. At nextsure, we analyse your individual situation and find the perfect protection for your needs.

Our BU services in detail

Pension amount

The amount of your disability pension should cover your monthly fixed expenses as well as your living costs. We help you determine the optimal pension amount so that you are financially secure in the event of a claim and can maintain your accustomed standard of living. A careful calculation is crucial for your long-term security.

Duration

We recommend a benefit duration up to your planned retirement age to avoid gaps in coverage during retirement. A shorter duration could mean that once the disability benefit ends, you might not yet be eligible for the standard old-age pension, leaving you without an income.

Subsequent Insurance

Life events such as marriage, the birth of a child, or salary increases often require an adjustment of your disability insurance coverage. With follow-up insurance guarantees, you can increase your disability pension without a renewed health check, allowing you to flexibly adapt your coverage to new life circumstances.

Dynamics

To counteract the loss of purchasing power due to inflation, you can agree to a dynamic contribution and benefit arrangement. Your contributions and the insured pension then increase annually by a predetermined percentage, ensuring that the value of your coverage is maintained in the long term.

Immediate assistance

Some policies offer additional immediate assistance in the event of certain serious illnesses or a quick benefit in the case of clear diagnosed occupational disability, to help bridge financial difficulties in the initial period.

Digital Application

At nextsure, you can handle many steps of your disability insurance digitally and conveniently from home—from comparison to consultation and even the application process. This saves time and effort.

Expert Advice

Our expert insurance specialists are at your side throughout the entire process, answering your questions and helping you understand the complex terms to make the best decision for your coverage.

Tariff Comparison

We offer you an independent and transparent comparison of various disability insurance policies from reputable insurers. This way, you can find the coverage that best suits your individual needs and budget.

Change assistance

If you already have an occupational disability insurance policy and are considering switching, we will competently assist you in analysing your existing contract and the steps towards a potential change of provider.

The most common causes of occupational disability: More than just accidents

Contrary to popular belief, it is not primarily accidents that lead to occupational disability. Statistics show that mental illnesses such as burnout or depression are now the main causes, followed by musculoskeletal disorders (e.g. herniated discs), cancer, and only then accidents. Diseases of the nervous system or cardiovascular problems also play a significant role. This diversity highlights the necessity for comprehensive occupational disability insurance that covers a wide range of health impairments, rather than being limited to specific accident outcomes. nextsure offers you plans that cover a broad spectrum of causes.

Benefits of Disability Insurance: What Does the Insurance Pay in the Event of an Emergency?

In the event of a claim, the occupational disability insurance pays the contractually agreed monthly pension, usually until the agreed retirement age is reached or you are able to work again. The requirement is usually that an occupational disability of at least 50% is medically certified for a prognosis period expected to last six months. Many policies also include a premium waiver for the disability insurance itself as well as often for any co-insured components. Some insurers also provide benefits in the case of longer-term inability to work (AU clause). nextsure ensures that you receive transparent and high-performance policies with clearly defined conditions, so that in the event of an emergency you can receive your benefits quickly and without bureaucracy.

Health Check and Pre-existing Conditions: Honesty Pays Off

Before taking out an occupational disability insurance policy, a health examination is essential. During this process, you must answer detailed questions about your health status and any pre-existing conditions truthfully. This so-called pre-contractual duty of disclosure is crucial, as providing false information or concealing relevant details can jeopardise your insurance coverage – potentially leading to withdrawal, cancellation, or contestation of the contract by the insurer in the event of a claim. Even with existing pre-existing conditions, it is often possible to obtain occupational disability insurance, possibly with risk surcharges or exclusions of benefits. nextsure always recommends absolute honesty and supports you, if necessary, with anonymised risk inquiries to optimise your insurance chances.

Contribution Design: What Factors Influence the Cost of Your Disability Insurance?

The premium of your occupational disability insurance is determined by several factors. These include your age of entry (the younger, the cheaper), your health condition at the time of application, your occupational group or the associated risk, the desired amount of the monthly disability pension, as well as the agreed performance and contract duration (ideally until retirement age). Optional additional components such as a guaranteed pension increase in the event of a claim (dynamic) or a disability clause can also affect the premium. nextsure helps you find a plan with optimal value for money through transparent comparisons, tailored precisely to your financial situation and protection needs.

Abstract vs. concrete reference: The devil is in the details

The referral clauses are a core component of any disability insurance. The abstract referral means that the insurer can refuse to pay benefits if you could theoretically perform another occupation that matches your education, experience, and previous social status – even if you cannot find such a job. High-quality disability insurance tariffs, as recommended by nextsure, waive this abstract referral. On the other hand, the concrete referral checks whether you are actually engaged in a new, reasonable occupation and thus earning an income that approximates your previous social status. Only then can the benefits be reduced or terminated. Waiving the abstract referral is an important quality feature for your security.

Disability insurance for self-employed and freelancers: Special aspects

For self-employed individuals and freelancers, disability insurance is particularly essential, as they often do not enjoy statutory protection. Important aspects of the contract include the reorganization clause, which stipulates under what conditions the insurer can demand a reorganization of the business instead of paying a disability pension. A precise job description in the application is crucial. Additionally, attention should be paid to flexible premium payment options and adjustment options for fluctuating income. Providing proof of disability can present specific challenges for the self-employed. Nextsure understands the needs of the self-employed and helps find the right plan with fair conditions.

When is the right time to take out disability insurance? The clear answer

The ideal time to take out a disability insurance policy is as early as possible – ideally while you are still a pupil, student, trainee, or young professional. The reasons are compelling: At a young age, the premiums are generally significantly lower, as the statistical risk of disability is lower and health is usually better, making the health checks easier. This way, you secure favourable conditions for the entire duration of the contract and protect your future earning potential from the start. Many insurers also offer special starter tariffs with reduced initial premiums. Don’t wait until health issues make it more difficult or expensive to take out a policy.

What should my ideal disability insurance pension be?

At nextsure, we understand that safeguarding your ability to work is of the utmost priority. That's why we offer you a fully digital and transparent process for obtaining your occupational disability insurance. Our mission is to provide you with tailored and easy-to-understand insurance solutions. We leverage our expertise in niche insurance to offer you the best possible protection, even in complex occupational situations or with pre-existing conditions. Benefit from our expert advice, SEO-optimized informational materials, and a modular approach that allows you to adapt your protection flexibly to your life phases. Secure your income with nextsure – your digital partner for comprehensive insurance coverage.

Frequently Asked Questions

The recommended amount for your disability insurance pension should be around 70-80% of your current net income. Consider all ongoing expenses such as rent, loans, living costs, and retirement contributions. Setting a pension too low can lead to financial shortfalls in the event of a claim. With our digital calculator, you can accurately determine your required coverage gap and thus set the optimal pension amount for your individual needs.

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