Why is it necessary?

Occupational disability is a widely underestimated risk. For example, in Germany, statistically, every fourth employee becomes incapacitated in the course of his working life. People can hardly expect any benefits from the state, in case of occupational disability. An employee with a monthly gross income of 4,000 € earns 1.44 million € (excluding raises) during his 30 years of working life. This makes the ability to work the most valuable asset of every employee. This asset must therefore be protected.

There are professions, where a licence and the physical fitness ensure the regular income and therefore the lifestyle and standard of living.

• Pilot
• Air traffic controller
• Captain

We have recognised this risk and created an insurance package to minimise it.