Income protection
Your ability to work is your greatest asset.
Over an entire working life, you often earn more than a million euros. This income funds your life, your family, and your retirement planning. If your ability to work disappears, all of that goes with it. That is exactly where we start: we protect your income, step by step.
Why this matters so much
Your income carries everything that matters to you.
As long as you are healthy and working, everything runs smoothly. But your standard of living hangs by a single thread: your ability to earn money. If that thread snaps, the whole chain starts to wobble.
Housing
Rent or the installment on your own home continues every month.
Family
Children, partner, and everyday life still need a reliable income.
Standard of living
Food, car, insurance, leisure: your usual life keeps costing money.
Retirement planning
What you cannot set aside today will be missing later as pension.
The progression
What happens when your income collapses?
If you fall ill, your employer steps in first, then statutory protection. But with each step, your income drops. Three gaps open up that the state leaves unfilled – and that you can close privately.
You are working
Full net income.
Briefly ill
Continued salary payment from your employer, 6 weeks.
Ill for longer
Statutory sickness benefit, up to 78 weeks.
Permanently unable to work
Statutory reduced earning capacity pension.
In retirement
Statutory old-age pension.
Simplified example based on an average net income of around 2.800 € per month. Statutory sickness benefit follows the rule of 70 % of gross, at most 90 % of net, for a maximum of 78 weeks. Average figures for the statutory reduced earning capacity and old-age pension according to Deutsche Rentenversicherung. All figures are rounded and for illustration only. We calculate your actual figures together.
The solutions
Three gaps, three clear building blocks.
Gap 1 · longer illness
Daily sickness allowance
When continued salary payment turns into sickness benefit, part of your net income is missing. Daily sickness allowance (Krankentagegeld) fills this gap and secures your usual standard of living.
- For those with statutory health insurance and a sickness-benefit entitlement
- Freely available, including on Sundays and public holidays
- As seamless a transition as possible into occupational disability cover
Gap 2 · permanently unable to work
BU & basic abilities
For most people, the statutory reduced earning capacity pension is far below their usual income. A private pension closes this large gap, every month, for as long as you need it.
- Occupational disability insurance (BU): the best-proven protection for your profession
- Basic abilities insurance: affordable base cover for those in physical jobs
- BU Plus Extra: also pays out during long-term incapacity for work
Gap 3 · in retirement
Private retirement planning
Even in retirement, a gap remains between the statutory pension and your usual life. With private provision, you build a cushion alongside it that closes this gap.
- Save flexibly, with security and a chance of returns
- A lifelong pension, predictable and reliable
Cleverly combined
Cover all the gaps, in a single contract.
You don't need a separate contract for every gap. With Generali's Vermögensaufbau & Sicherheitsplan (VASP), you bundle income protection, retirement provision, and further risks under one roof, tailored to your situation.
Five risks, one contract
Ability to work, serious illnesses, surviving dependents, long-term care, and wealth building, all thought through together.
Contributions continue, without you
If you become occupationally disabled, Generali keeps paying your contributions. Your retirement provision grows regardless.
Customer bonus
Anyone who combines several building blocks secures a permanent premium advantage.
Grows with you
When you start your career, marry, or have children, you adjust your protection with no new health check.
Free & without obligation
Let's protect your ability to work.
In a first meeting, we look at which gaps are open for you and which protection truly fits your life and your budget. Honest, easy to understand, and without pressure.