Job disability insurance (Berufsunfähigkeitsversicherung) pays you a salary if you are too sick or injured to do your job. For example, if you are a surgeon and you lose a finger, this insurance can be useful.

This insurance is useful if you have people who depend on you, or if you have a mortgage to pay. The price varies by profession. It's usually cheap, because accidents that prevent you from doing your job are rare.