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.

🛡️ BU Cost Calculator 2026

How much does your occupational disability insurance cost?

Estimate your monthly premium in 30 seconds — free, no obligation. Adjust age, occupation, and desired benefit for an instant result.

📊 Enter Your Details

Age (entry age)

30years

18 55

Occupation / Professional Group

Desired BU Benefit (monthly)

1,500€

500 € 3,000 €

Smoker?

Estimated Monthly Premium

--€/month

Age -

Occupation -

BU Benefit -

Smoker -

Premium Range (±15%)

📞 Get a precise quote — free consultation

This is a rough estimate. Your exact premium depends on health, tariff details, and insurer.

Want to see your detailed result?

Enter your details to get instant access to all details and a free consultation.

How does the BU Cost Calculator work?

The calculator provides an initial estimate of your likely BU premiums based on average market data. The following factors are considered:

Age: The younger you are when signing up, the lower the premium.
Occupation: Physical occupations pay more than office jobs — the occupational class determines the risk surcharge.
BU Benefit: The desired monthly benefit in case of disability — the higher the benefit, the higher the premium.
Smoker status: Smokers typically pay approximately 30% more.

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.

Book a Free Consultation

Get personalized advice on your occupational disability insurance — no obligation, no cost.

📅 Book a Free Consultation →