Guides

When occupational disability insurance makes sense during your studies, which health questions matter and how to weigh timing, occupational group and premium.

Disability insurance during pharmacy studies: state examination and practical year, naming pharmacist in the contract, health questions and premium factors.

How health questions for disability insurance are structured, what counts for therapy, allergies, sport and doctor visits, and how to answer accurately.

Doctors in training often sit between medical school and specialist status. This guide explains how occupation class, clauses and the professional pension fund interact in disability insurance.

Not every change of study subject must be reported. Learn which rules apply and how to clarify the question with your insurer in writing.

A resident doctor’s salary depends mainly on the employer’s collective agreement. Learn how to read the pay table and which allowances count. Last updated October 2026.

Taking out disability insurance while studying or waiting? Advantages, disadvantages, typical situations and a decision aid with three questions.

Many teacher trainees ask whether standard disability insurance is enough. This guide explains how unfitness for service is defined under German civil service law and where it differs from BU.

The pension depot (Altersvorsorgedepot) replaces the Riester pension from 2027. How the allowances work, which variants exist and what about bonuses.

How insurers classify academics for disability insurance, what this means for premium and benefits, and what to check before you apply.