BU Insurance for Medical Professionals — Specialist Rates | Hörz & Haapamäki

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BU Insurance for Medical Professionals — Specialist Rates | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

Why Medical Professionals Need Specialist Disability Insurance Policies

As a physician or dentist, you work with your hands, your mind, and under high levels of stress. Standard policies often fail to adequately address the unique risks and demands faced by medical professionals. We know the specialist rates offered by the leading disability insurers for healthcare professions.

Benefits of Our Physicians' Disability Insurance

Genuine Occupation Clause

No abstract referral — if you can no longer practice as a physician, the insurance pays out.

Guaranteed Insurability Option

Increase your disability pension without a new health assessment following career milestones.

Infection Clause

Specialist clause for physicians: also covers occupational bans due to infectious diseases.

Professional Pension Scheme Clause

Consideration of professional pension scheme benefits for optimal coverage.

For which medical professionals is Disability Insurance particularly important?

Physicians in Hospitals & Private Practice

Specialist rates with infection clause and waiver of abstract referral.

Dentists

Coverage for fine motor activities with profession-specific clauses.

Medical Students

Early coverage at favorable rates with guaranteed insurability options.

What is covered?

Versichert

Disability due to illness or accident
Profession-specific clauses for medical professionals
Infection clause in case of official occupational ban
Waiver of reorganization
Guaranteed insurability options

Nicht versichert

Disability due to intentional self-inflicted harm
Disability due to war events
Disability due to undisclosed pre-existing conditions

Optimal Coverage in 3 Simple Steps

Assess Your Needs

We analyze your personal situation and determine the optimal insurance coverage for you.

Compare Offers

Independent comparison across 150+ insurers — we find the best policy for you.

Secure Your Coverage

Simple sign-up and ongoing support — we are by your side even in the event of a claim.

Frequently Asked Questions

At least 60–80% of your net income. Take into account the professional pension scheme benefits and any existing coverage.

A special clause that pays out if you are prohibited from practicing your profession due to a notifiable infectious disease.

As early as possible — ideally as a student or at the beginning of your specialist training, when your health is still at its best.

Yes, some insurers offer starter tariffs with reduced premiums during the first years of your career.

Disability Insurance Special Rates for Medical Professionals

Free and non-binding — Your personal rate comparison.