Job disability insurance (Berufsunfähigkeitsversicherung) gives you an income if you are too sick or injured to work. It covers you after you stop getting paid sick leave. It’s also called income protection insurance.
Disability insurance replaces your income if…
- You have cancer
- You suffer from burn out
- You can’t work after an accident
- You can’t do your normal job because of a disability
Disability insurance makes sense if your family depends on your income, or if you have a mortgage. It costs €50 to €150 per month.1
Sick leave options for freelancers
Sources and footnotes
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Seamus Wolf (July 2025), Check24 (July 2025) ⤴