Income protection is a daily cash benefit included in the Private health insurance (PKV) policies we offer. It starts once your employer's salary continuation ends after 42 days of illness and runs until the end of month 6. The standard daily amount is €130, calculated as your monthly net salary divided by 30. You can raise, lower, or remove the benefit while configuring your plan.
What is income protection under Private health insurance?
Income protection, also called sick pay, is a daily cash benefit under Private health insurance (PKV). It pays out when an illness leaves you unable to work for longer than 42 days, and it helps cover your living costs while you recover.
Is income protection included in my Private health insurance policy?
Income protection is included automatically in the Private health insurance (PKV) policies we offer. You can adjust the daily amount or remove the benefit while choosing your plan.
How does income protection work if I'm unable to work?
Sick pay under Private health insurance (PKV) begins only after your employer's salary continuation ends. The sequence is:
Days 1–42 — your employer continues paying your salary.
Day 43 through month 6 — your employer stops salary payments, and you receive sick pay from your Private health insurance (PKV) policy.
After month 6 — sick pay ends, and government or occupational disability benefits may apply instead.
How much income protection should I choose?
To estimate the right daily amount, divide your monthly net salary by 30. A daily amount of €130 covers most people's living costs, and you can raise, lower, or remove the amount when you configure your Private health insurance (PKV) plan.