Alternative options to Berufsunfähigkeitsversicherung
I was asked to share about this because we are typically not eligible for BU once there’s a psychiatric diagnosis on our medical record (happens whenever health insurance pays for mental health treatment).
https://www.finanztip.de/berufsunfaehigkeitsversicherung/bu-alternativen/
I think this article summarizes other insurances that can be substitutes in at least some cases otherwise covered by BU.
What might be suitable depends on your specific case and the type of job you do, eg. Grundfähigkeitsversicherung is a rather cheap option that makes more sense for those doing physical labor.
None of these are perfect substitutes, so getting BU before receiving a diagnosis is always the best option
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