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Everything in English
Including the consultation, the claims process & customer service
Everything in one account
Buy & manage all your insurance policies in one account in the app
What’s income protection insurance?
Income protection insurance provides you with a regular monthly salary if you can no longer work in your current job for health reasons.
Tailored to
your needs
your needs
Flexible
customisation
customisation
Unbiased
consultations
consultations
What’s income protection insurance?
Income protection insurance provides you with a regular monthly salary if you can no longer work in your current job for health reasons.
Tailored to
your needs
your needs
Flexible
customisation
customisation
Unbiased
consultations
consultations
Why you need
income protection insurance
income protection insurance
Because good health isn’t guaranteed
1 in 4 people become unable to work due to illness. The top causes are mental health struggles like burnout and depression, followed by heart disease, cancer and illnesses that restrict mobility.
Because a lot depends on you
Your work pays for your life – and perhaps the lives of your loved ones and other people may also depend on it, too. Your earning capacity over the course of your life is your most important asset.
Because it’s part of working in Germany
Income protection insurance is one of the most common types of insurance in Germany. If you’re planning on spending your working life here, it’s worth your while.
Because government assistance isn’t enough
Government occupational disability assistance only applies in full if you can't work for more than three hours a day. Even then, it's a maximum of 40% of your last total monthly salary – not enough to cover your living costs.
WHY YOU NEED INCOME PROTECTION INSURANCE
Because good health isn’t guaranteed
1 in 4 people become unable to work due to illness. The top causes are mental health struggles like burnout and depression, followed by heart disease, cancer and illnesses that restrict mobility.
Because a lot depends on you
Your work pays for your life – and perhaps the lives of your loved ones and other people may also depend on it, too. Your earning capacity over the course of your life is your most important asset.
Because it’s part of working in Germany
Income protection insurance is one of the most common types of insurance in Germany. If you’re planning on spending your working life here, it’s worth your while.
Because government assistance isn’t enough
Government occupational disability assistance only applies in full if you can't work for more than three hours a day. Even then, it's a maximum of 40% of your last total monthly salary – not enough to cover your living costs.
When income protection
insurance steps in
insurance steps in
Some common examples
When you're burned out
Imagine you're a software developer. You often work evenings and weekends, and you've been feeling more and more exhausted and no longer see the point of your work.
Diagnosis: burnout. You can't work for at least a year. Luckily, you have income protection insurance and can concentrate on getting well again.
Diagnosis: burnout. You can't work for at least a year. Luckily, you have income protection insurance and can concentrate on getting well again.
When you have back pain
Imagine you're in the fire service. The job is physically demanding and you work long shifts. Then your doctor diagnoses you with chronic back pain. You'll never be able to work in the fire service again.
After the first 6 months, you receive your first income protection payout. You start looking for a new job while in treatment for your back, and the payouts keep coming every month.
After the first 6 months, you receive your first income protection payout. You start looking for a new job while in treatment for your back, and the payouts keep coming every month.
When you have cancer
Imagine you get a scary diagnosis: leukaemia. You're lucky, and your prognosis is good. But chemo is tough, and you can't work anymore.
After two years, you're feeling good enough to go back to work. Your income protection insurance guaranteed you a secure monthly salary throughout your cancer journey.
After two years, you're feeling good enough to go back to work. Your income protection insurance guaranteed you a secure monthly salary throughout your cancer journey.
HOW DO I GET INCOME
PROTECTION INSURANCE?
PROTECTION INSURANCE?
Step 1
Answer a few easy questions.
Step 2
Have a quick phone chat with an expert.
Step 3
View your personal recommendations from various insurers via the app.
Step 4
Decide! We’ll review the application together and then submit it for you.
VOICES FROM OUR COMMUNITY
Fast and friendly live support
"The processes are always easy and straightforward to follow. Whenever we need support or clarification, Getsafe was quick, clear, and nice..."
Babiela on Trustpilot
Easiest insurance provider ever!
"So simple in the app and amazing support, they are available straight away! Also great as an expat, because their English services are perfect."
Sarah on Trustpilot
Getsafe is really good for expats
“Getsafe is really good for expats like me and the most wonderful part about it is the app is in English plus the support is also fast and easy to use!”
Alson on Trustpilot