Berufsunfähigkeits
Berufsunfähigkeitsversicherung, often abbreviated as Berufsunfähigkeits (BU), is a type of income protection insurance that provides financial support if an insured person cannot continue to work due to illness or injury. It is designed to replace a portion of the pre‑death income that would otherwise be lost because of permanent or long‑term incapacity to perform one’s professional duties.
The core purpose of a BU contract is to mitigate the risk of economic hardship caused by
Eligibility rules vary among insurers but generally require a medical assessment to confirm that the person
DIN 13060 is a de facto technical standard that many insurers use to define “berufsunfähig” individuals. Consistent
A comprehensive BU contract is an essential component of many German retirement and risk‑management plans, especially