How much does occupational disability insurance (BU) cost in Germany?

BU costs depend on your age, occupation, desired monthly benefit, and smoking status. A 30-year-old office worker can expect roughly €20–30/month for €1,500 monthly benefit. Manual workers and smokers pay significantly more. Use our calculator for a personalized estimate.

What is the difference between BU and Erwerbsunfähigkeit?

BU (Berufsunfähigkeit) covers you if you can no longer work in your specific profession. Erwerbsunfähigkeit from the state only applies if you cannot work in any job at all. Private BU insurance is therefore essential for proper protection.

Is occupational disability insurance worth it?

Yes. Every 4th employee in Germany becomes occupationally disabled before retirement. State benefits (Erwerbsminderungsrente) are often insufficient — averaging around €800/month. BU insurance protects your standard of living.

Free tool · Updated for 2026

How much does your occupational disability insurance cost?

Estimate your monthly premium in 30 seconds — free, no obligation, no registration.

Based on 2026 market data No data stored By an IHK-registered broker

Your details

Age (entry age)

30 years

1855

Occupation / Professional Group

Desired BU Benefit (monthly)

1,500 € / month

€500€3,000

Smoker?

Your estimated premium

Enter your details to see your estimated premium

-- / month

Entry age -
Occupation -
Monthly benefit -
Smoker -

Estimate based on average 2026 market rates for policies without deferment period and with waiver of abstract referral (abstrakte Verweisung). Your actual premium depends on health questions and exact occupation.

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How does this calculator work?

The calculator provides an initial estimate of your likely BU premium based on average market data. Three factors drive the price:

Age: The younger you are when signing up, the lower your lifetime premium.
Occupation: Physical occupations pay more than office jobs — the occupational class determines the risk surcharge.
Benefit amount: Aim for 70–80% of your net income.

This result is a rough estimate and does not replace individual consultation. Your actual premium depends on your health, chosen tariff, and insurer. Book a free initial consultation for a binding quote.

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