Income Protection Insurance
- Monthly payout if unable to work
- Protection after illness or accident
- Mental health conditions covered
- Living standards remain secure
- Flexibly adjustable as needed
- 1 in 4 becomes unable to work
- State pays only approx. 40% gross
- Avg. time off work: 3 years
Description
Your income pays for everything you care about. If you are out of work due to illness or an accident, the costs keep going. Income Protection Insurance steps in so your plans do not have to be put on ice.
You get a monthly payout when you cannot do your job for health reasons, including mental health. Short flu does not count, long term loss of work does. State support is limited, usually only up to 40 percent of gross pay.
Start sooner to lock in a lower price and wider options. Set up your cover with clear advice and manage it in the app any time. Get a quick quote or book a free consultation.
Reviews
When you become self-employed
Going solo feels freeing - until the first contracts, invoices and admin pile up. You're responsible for your income now, which is exciting and a bit daunting. A few smart protections keep your head in the business, not the what-ifs.
Essential cover
for this moment
When your first job kicks off
First job, first paycheck — nice. Then the grown-up to-dos hit: health insurance, contract fine print, probation. You want to work, not read legalese, so here’s what actually matters now.
Essential cover
for this moment
When a job change is coming up
New job, new people, new passwords. The fresh start feels good—and brings a few question marks: probation, contracts, benefits. Sort the essentials now so you can focus on landing smoothly.
Essential cover
for this moment
When you switch to part-time
Part-time sounds like more time for you—and a little less for your paycheck. You’re reshuffling, easing toward retirement, and want to avoid expensive surprises. Here are the few protections that actually matter now, without stealing your evening.
Essential cover
for this moment
When you’re a single parent and want to plan ahead
Single parenting means juggling schedules, paperwork, and the midnight what-ifs. You carry the full load now—emotional and financial. Let’s quietly sort the big what-if questions and make tomorrow feel a bit lighter.
Essential cover
for this moment
When you take on leadership responsibilities
New role, bigger decisions. You’re leading people, juggling targets, and your calendar has trust issues with free time. This is a good moment to quietly lock in a few protections, so one rough week doesn’t knock your progress off track.
Essential cover
for this moment
What is covered
When your income is protected
Who is protected
How you are helped
Not covered
Short-term illnesses
Temporary conditions that do not keep you from work for a sustained period.
Job loss or termination
Unemployment, workforce reduction ("layoffs"), or termination without health-related inability to work are not insured. For this you need a separate unemployment insurance as a separate product.
Documents
Who can apply and when is the right time to get cover?
Most people with income can get insured, including students, apprentices, employees and self-employed. Even for children or schoolchildren, coverage can be arranged in advance. Health and job are important. The earlier you start, the cheaper it usually is. Many people start already during their studies or training.
What exactly is covered and what is not?
You are covered if illness or an accident stops you from doing your current job for a longer period, for example due to burnout, depression, cancer, heart disease or chronic pain. Not covered, short term sickness that heals quickly, job loss or dismissal.
Is there a waiting period before payments start?
There is no fixed waiting time in most cases. You must meet the policy definition and provide medical evidence. After approval, the monthly benefit starts from the date set in your policy, often backdated to the first eligible month.
How do I make a claim and how long does it take?
Tell us in the app or contact our team and we guide you. You share medical reports and proof of income. The insurer reviews your case and may ask follow up questions. Timelines vary by case. Many are settled in weeks, complex cases can take longer. We keep you posted.
Can I receive payments if I also get the German state disability pension?
Yes, your private cover pays in addition. The state pension is only paid in full if you cannot perform any reasonable work for more than three hours a day, and even then it is often only up to around 40 percent of your last gross salary. The income protection insurance payment helps to close the gap.
Am I covered if I move abroad or work outside Germany?
Yes, cover can continue if you live or work abroad, as long as you keep paying and meet the policy terms. Some insurers use country lists or ask for updated medical proof. Tell us about your move early and we will check your options and any limits before you go.
One App. All your Insurance.
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24/7 claims service
Got questions or want to file a claim? We’re there for you right in the app to give you help right at your fingertips.
100% in English, 100% digital
Tired of insurance in German? No problem. We're 100% digital and fully available in English, from the app to your policy. Manage everything you need, hassle free.
Safepoints™ Earn. Save. Repeat.
Our Safepoints™ feature helps you actively save on your premium. You earn points by making safe choices, like completing quizzes, and for maintaining a liability-claim-free record. It's a simple way to get rewarded for being a responsible policyholder.
Get help your way
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Best Price. Best Product.
We offer you the perfect blend of great prices and a top-tier product. It's the ideal combination of high quality and affordability, designed to give you the most value for your money.
Long term but flexible
With our long term yet flexible policies you get the best of both worlds. We offer great prices and comprehensive coverage you can count on for the long run while giving you the freedom to easily make changes or cancel anytime all within the app.
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