What Does Your German Disability Insurance Cost?
Monthly premium, BU pension, term and dynamic adjustments by entry age, occupation group and desired pension — with a clear breakdown.
Insured person & occupation
Benefit & term
- Monthly premium
- €33.00
- Yearly premium
- €396.00
- BU pension (start)
- €1,500
- Term
- 37 years
- BU pension at contract end
- €3,121
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Breakdown
| Category | Amount |
|---|---|
| Entry age | 30 |
| End age | 67 |
| Term | 37 years |
| Occupation group | 1 |
| BU pension (start) | €1,500 |
| BU pension at contract end | €3,121 |
| Monthly premium | €33.00 |
| Yearly premium | €396.00 |
| Premium dynamic | 2 % |
| Benefit dynamic | 2 % |
| Total premiums over term | €21,398 |
| Maximum benefit | €972,617 |
Note: Premiums are average values for a standalone German disability insurance (SBU) in 2026. Actual premiums vary by insurer (Alte Leipziger, Allianz, Continentale, Nürnberger, HDI), health assessment, end age and tariff features (waiver of abstract reference, AU clause, supplementary insurance guarantee). Rule of thumb: BU pension = 60–80 % of net income, end age at least 65, premium and benefit dynamics 2–3 % to offset inflation.
Background
German Disability Insurance 2026: Premium, BU Pension and How to Choose
12 Min.