If you are unable to work in your profession due to illness or accident, our disability insurance protects you and provides you with a monthly pension, enabling you to support yourself financially during challenging times.

Financial security

Financial security

A disability insurance provides financial protection in case you can no longer work in your profession due to illness or accident. You receive a monthly pension to secure your livelihood.

Damages Caused by Uninsured Third Parties

Damages Caused by Uninsured Third Parties

Disability insurance can be individually tailored to your needs. You can choose the insurance sum, contract duration, and other options according to your personal situation.

Early protection

Early protection

The earlier you take out disability insurance, the better. In your younger years, you are often healthy, and the premiums are lower. Early protection ensures the best possible coverage for your professional future.

Occupational Disability Insurance

The risk of occupational disability is often underestimated. Almost one in four blue-collar workers and one in five white-collar workers are unable to work. 
The causes of this are 85% illnesses and 15% accidents. Government benefits have been drastically cut in this sector. This mainly affects all those born after 1961. The average statutory pension for reduced earning capacity is 700 € a month.

With "NEODIRECT OCCUPATION DISABILITY +," you can close this supply gap today. We help you to find full private occupational disability insurance - with premium savings.


Your labor is your equity â get security now!


Mental illness in the first place!

Mental suffering such as Burnout and depression are responsible for just under 30% of occupational disability cases. They have been increasing as a cause for years. Severe accidents account for 8%, while musculoskeletal disorders (back pain, arthritis) and cancer each account for 19% .


Most applications are accepted!

Good news for policyholders: the majority of applications for occupational disability insurance are approved after the health check. In 97% of cases, approval is given without surcharges or benefit exclusions. Only in 3% of cases is a surcharge levied on the premium, and in 11% of cases certain benefit cases are excluded, e.g. in the case of chronic pre-existing conditions. Even if a benefit exclusion is agreed, other occupational disability risks are still covered. Only 4% of applications are not pursued further because applicants do not come forward during the process. Only 4% of all applications are rejected by the companies, mostly because the risk is too high or cannot be calculated.


Occupational disability insurance - Reliable benefits!

80% of all applications for occupational disability pensions are approved, a survey by GDV shows. Rejections have various reasons: In most cases, the insured person can still perform at least 50% of his or her occupation. This was the reason for about half of the rejections. Another 14% did not respond during the procedure because they were in better health. In 12% of cases, the pre-contractual duty of disclosure was breached, e.g. by concealing a previous illness. The occupational disability insurance offers reliable protection!





It makes sense to take care of occupational disability insurance at an early stage. If you are young and healthy, you will receive good protection at the best conditions.


Health questions must be answered completely and truthfully. Do not hesitate to state illnesses that you basically consider insignificant. Incorrect or incomplete information may release the insurer from its obligation to pay benefits.


Don't let the contract end too early, even if this seems cheaper. A term agreement up to your retirement age - for salaried employees up to the age of 67 - is highly advisable to avoid payment gaps.


Calculate your needs taking into account other income to which you are entitled. It is advisable to pay attention to a subsequent insurance guarantee, so that you can increase your pension later without a health check.

How You Should Take Out Occupational Disability Insurance?

Statistics show that every fifth person in gainful employment becomes occupationally incapacitated before the start of their old-age pension. In the skilled trades sector, even every fourth person becomes occupationally incapacitated. Since the occupational disability pension has been replaced by the reduced earning capacity pension for all those born after 1961, there is a particular need here. By the possibility of being referred to another occupation, any activity of the general job market must be accepted. The legal reduction in earning capacity pension is so small that it does not cover even the basic needs of a working person. This supply gap developed in such a way should close each responsible working person.

Who Should Take Out Occupational Disability Insurance?

Generally, every working person should consider private insurance for occupational disability as an absolute must because the benefits from the statutory disability pension in the event of a reduction in earning capacity for securing existence will not be nearly enough. Insurance against occupational disability needs, especially for workers, employees, artisans, apprentices, and young professionals.

Most self-employed and freelancers have no right to the statutory pension for reduced earning capacity. Also, homemakers, pupils, and students should be covered more. However, occupational disability insurance is indispensable. The same applies to civil servants, who should take out additional cover, as the benefit in the event of incapacity to work has also been significantly reduced.

What Can Steel Be Expected From The Statutory Pension Insurance Today?

For those born after 1961, the occupational disability pension model has been replaced by the reduced earning capacity pension: you will only receive the full reduced earning capacity pension (approx. 34% of your last gross income) if you can work less than 3 hours a day. If you can work 3-6 hours daily, you can only expect half of the reduced earning capacity pension (approximately 17% of the last gross income).

Any benefit is waived if the employee is on duty for more than 6 hours since the learned profession is not considered, and the pure ability to work in any possible gainful activity counts. Suppose you were born before January 2, 1961.

In that case, you will be slightly better off and receive half the reduced earning capacity pension even if you cannot work more than six hours daily in your learned or a comparable profession.

How Much Should Your Occupational Disability Pension Pay Per Month?

The optimal amount of the occupational disability pension depends on your personal needs. However, you should cover at least one-third of your current net salary, and 60% to 80% would be optimal.

When calculating the amount, you should consider the following factors taken into account payments from occupational pension plans or rental and interest income, because the lower you can calculate your pension amount.

The occupational disability pension should always be high enough to make it possible to pay pension contributions in an emergency. It is also possible to agree on waiving gifts to your pension plan in the event of occupational disability.

What Should You Pay Attending To During Your Health Check?

The questions about health must always be answered completely and truthfully in order not to jeopardize the existing insurance coverage.

The insurance companies often ask about doctor's visits in the last five years.In the event of a hospital stay, the last ten years are queried.

Particularly in the event of a claim, the insurance company reserves the right to check your details in detail. This is done by releasing the attending physician from the duty of confidentiality.In addition to the health questions, precise information about your hobby and profession is also required.

If your profession changes during the contract period or you start a risky hobby, this does not have to be reported.

What is Occupational Disability Insurance?

Occupational disability insurance is a type of coverage that pays you money if you can't work due to a disability. It replaces part of your income, helping with expenses. There's a waiting period before it kicks in, and it pays out for a set time or until you can work again. You pay regular premiums for this financial safety net.


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