What is Berufsunfaehigkeitsversicherung?

Job disability insurance (Berufsunfaehigkeitsversicherung) helps you if an accident stops you from working. For example, if you are a surgeon and you lose a finger, this insurance can be useful.

This insurance makes sense if you have people who depend on you, or a mortgage to pay. It costs around 20€ per month for most professions. It's cheap because accidents that prevent you from doing your job are rare.