insurance
For officials

What is disability insurance?

Die Disability insurance (DU) specifically protects civil servants or who want to become one. When they are no longer able to perform their duties due to health reasons. It is a special form of occupational disability insurance that is tailored to the specific needs of civil servants.

A note from Dirk Skau: For civil servants, trainee civil servants, on trial and revocation, disability insurance must be chosen. Disability insurance is not enough.

Why is disability insurance useful?

Many civil servants are not aware that they are not entitled to government benefits in the event of incapacity in the first years of their career. Especially Officials on revocation (e.g. trainee lawyers) and Probationary officials In an emergency, they are often left without financial security. Only with the status of a civil servant for life will the pension gap in the event of incapacity be reduced.

What do civil servants get when they become incapacitated?

Officials on revocation and on trial shall receive no further remuneration in the event of a pronounced incapacity for service. For lifetime civil servants, the supply gap is narrower.

For whom is disability insurance particularly important?

One Disability insurance for civil servants is particularly relevant for the following groups:

• trainee civil servants and trainees: You have no pension rights and are financially unprotected without private insurance.
• Young teachers and teacher training students: There is an increased risk, especially in the early days, as there are many years left until full supply is available.
• Police officers, firefighters, and correctional officers: Due to physical stress, the risk of incapacity for service is particularly high.

How much does disability insurance cost?

The amount of the premium depends on various factors:

• Age at contract conclusion: The younger, the cheaper.
• health status: Pre-existing conditions can lead to risk surcharges.
• Selected pension level: Appropriate performance is recommended.
• Additional services: Rates with a Partial disability clause are a bit more expensive but offer better protection.

When do I need disability insurance?

The best time For graduation is as early as possible, with an entitlement. At the latest upon commencement of employment and the status of civil servant on revocation and trial. Later, the contribution may increase significantly due to health restrictions or a conclusion may even be impossible

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The best insurance for civil servants

In addition to private health insurance, Disability insurance for civil servants indispensable upon trial and revocation. Early conclusion ensures favourable contributions and comprehensive protection — a sensible investment in your own future!

Our range of services for employees and civil servants includes:

• Disability insurance:
  We offer comprehensive disability insurance specifically for civil servants. It covers you if you are no longer able to perform your duties due to health reasons. In this way, you protect yourself from financial losses and maintain your financial stability even in the event of incapacity.
• Disability insurance:
  Worker protection is essential for employees. Our disability insurance protects you from the financial consequences if you are no longer able to work due to illness or accident. You receive a monthly pension that helps you and your family maintain living standards.
• Supplementary health insurance:
  Supplement your public health insurance with supplementary health insurance that gives you access to high-quality medical care. Whether it's a head doctor's treatment, dentures or other services — we'll make sure that you're well covered.
• Full health insurance:
  It is possible to switch to full private health insurance under certain conditions. If this option exists for you, we will check together whether it is plausible to switch from statutory health insurance to private health insurance.
• Accident insurance:
  Accidents can happen not only at work, but also during leisure time. With our accident insurance, you are fully protected and receive financial support if an accident affects your work capacity.
• Legal protection for workers and civil servants:
  In everyday working life, there may be conflicts with employers or civil servants. Our legal protection provides you with protection so that you can protect your interests in legal disputes.
• Retirement planning:
  With well-thought-out retirement planning, you ensure that you are financially secure even after your working life. We offer private and company pension solutions so that you can enjoy your retirement carefree.

Why us

We understand how important it is to protect yourself against unforeseeable biometric risks. Our modern insurance offers you the protection you need to maintain your financial security — today and in the future.

Get in touch with us:

Let's develop a strategy together that is just as dynamic as your life. Our team is by your side across the gates of Flensburg and ensures your safety — so that you can fully focus on the winner's podium.