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My Protection

Why Take out Occupational Disability Insurance in Germany?

Even if you work in an office job, the risk of disability remains high: over 40% of cases stem from mental or chronic illnesses (depression, burnout, cancer).

A Berufsunfähigkeitsversicherung (occupational disability insurance) helps secure your income if you can no longer perform your occupation.

💡 Good to know: the cost is significantly lower when the profession is considered low-risk and the policy is taken out before the age of 40.

What is the difference between occupational disability insurance (Berufsunfähigkeit) and the public disability pension (Erwerbsminderungsrente)?

The public pension pays only an average of 15 to 30% of your gross income, and only after 5 years of contributions and if you are deemed unfit for any employment.

Private insurance, on the other hand, pays out a pension according to the chosen amount as soon as a doctor confirms your inability (even partial) to perform your current profession.

Is Private Liability Insurance (Haftpflichtversicherung) Mandatory?

No, but it is essential.

It covers damages you may cause to others, even inadvertently (wine glass spilled on a computer, child breaking a window, crossing against a red light, etc.).

Its absence can be very costly: in Germany, financial liability is unlimited.

What is the Purpose of Accident Insurance (Unfallversicherung) if I Am Already Covered by My Health Insurance Fund?

The health insurance fund only covers medical care.

Accident insurance, on the other hand, pays out compensation and/or a pension if an accident results in partial or total disability, including during private activities (DIY, sports, travel, etc.).

For example, it covers rehabilitation costs, home modifications, or professional retraining.

Is Legal Protection Insurance (Rechtsschutzversicherung) Useful?

Yes, especially in Germany, where legal and procedural fees can quickly exceed €2,000.

It helps you assert your rights in many areas (housing, employment, consumer affairs, neighborhood disputes, traffic, internet, etc.).

In Germany, over 80% of households have legal protection insurance. Consulting a lawyer is therefore perceived as a normal step, even for everyday disputes.

For expatriates, some policies also cover disputes arising abroad or involving French organizations.

Can I be Terminated from Legal Protection Insurance if I Have Too many Claims?

Yes, it is possible after several consecutive claims, but each case is reviewed individually.

Using an advisor allows you to compare the most stable policies in case of multiple disputes and to benefit from personalized support, in French.

Is it Possible to Deduct My Insurance Premiums from My Taxes?

Certain premiums, such as for occupational disability, accident insurance, or liability, can be deductible from taxable income under the category “Vorsorgeaufwendungen”.

An audit of your policies can help optimize your tax situation.

What is the Best Way to Combine My Insurance Policies?

Rather than accumulating isolated policies, a comprehensive approach allows for:

  • reducing redundancies,
  • obtaining negotiated rates,
  • and simplifying claims management with a single point of contact.

This is precisely Faller Finance’s philosophy: to build a coherent, scalable, and tax-optimized protection system.

How Do I Know if I Am Adequately Covered?

A comprehensive audit of your current policies (often French and German) allows for verifying:

  • policy exclusions,
  • the consistency of insured amounts,
  • and any potential redundancies.

Our advisors then provide you with a clear coverage summary with personalized recommendations.

Which Insurance Policies are Essential for an Expatriate in Germany?

Here are the top 5 priority insurance policies depending on the situation:

  • Private Liability (Haftpflichtversicherung)
  • Occupational Disability (Berufsunfähigkeitsversicherung)
  • Accident (Unfallversicherung)
  • Household Contents (Hausratversicherung)
  • Legal Protection (Rechtsschutzversicherung)

Other insurance policies (travel, supplementary health, etc.) depend on your personal and professional profile.