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Including the consultation, the claims process & customer service

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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

Flexible
customisation

Unbiased
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

Flexible
customisation

Unbiased
consultations

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.

WHY YOU NEED INCOME PROTECTION INSURANCE

Woman with book on her face
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.

Man playing chess
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.

Happy woman
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.

Man doing his budgeting
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

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.

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.

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.

HOW DO I GET INCOME
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.

Frequently asked
questions

Frequently asked
questions

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

Life happens

Be prepared for the unexpected with income protection insurance.
Taking out a policy is easier than you think – and it just takes a quick phone call.