Income protection insurance – no financial worries while you are unable to work

Protects you against loss of income if you are ill for longer periods

Find the best plan for your needs

  • tailor-made policies for employees and the self-employed
  • fixed income helps you stay financially independent
  • maximum flexibility and unlimited benefit period
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KT-Plus - the Envivas Income Protection Insurance

Financial protection against loss of income while you are unable to work: for employees and the self-employed

Nobody can predict the future: an accident or illness could prevent you from working for weeks or months. That's why it is important to plan ahead and take out an income protection policy that provides financial security and guarantees a regular monthly income.

If you are off sick as an employee, your employer will continue to pay your salary for six weeks. After that, Techniker Krankenkasse will take over and pay a reduced sick pay, which leaves you with an income gap.

If you are self-employed and unable to work, you will probably have no source of income, which means you need financial protection from the first day you are taken ill or have an accident.

Bridge your income gap: Envivas income protection insurance (KT) pays a regular monthly income. You can choose from different options to suit your individual needs.


Key benefits

Income protection for employees (KT-Plus für Angestellte):  top financial protection with daily benefit paid from

  • day 43 of being unable to work (week 7)
  • day 183 of being unable to work (week 27)

Employees can opt for a 100 euro payout per day.

Income protection for the self-employed (KT-Plus für Selbstständige): top financial protection with benefit paid from

  • day 22 of being unable to work (week 4)
  • day 43 of being unable to work (week 7)
  • day 183 of being unable to work (week 27)

Self-employed people can opt for a daily benefit up to 100 euros from day 22, and as much as 200 euros from day 43 or 183

You can focus on your recovery thanks to an unlimited benefit period

No limitation of benefit period
You will receive income protection benefit as long as you are unable to work. There is no maximum benefit period.

Also covers you for work accidents and occupational diseases
Any injury or illness is covered, including work-related diseases or accidents.

Can be adjusted to changes in income
If your income increases, your income protection benefit should increase too. Just let us know about any changes and we will adjust the amount.

Good news for you: there is no medical underwriting (no questions about your health status and medical history) and no waiting period.

Good to know: It is possible to combine different options by choosing different benefit amounts and start dates for payment.

Interested in buying health insurance?

If you are interested in taking out insurance online, please visit our German website.


Hints and tips for English speakers:
If you need help with our German application form, you can use a Browser Translation extension. This extension adds a button to your browser toolbar. Click the translate icon whenever you want to translate the page you're visiting. And of course feel free to call us free of charge: 0800-4252525 and we will be happy to help you.

Stay financially independent

That is why you will benefit from income protection insurance as a member of Techniker Krankenkasse

Everyone wants to stay healthy. But what if you are unable to work for a longer period because of an accident at your workplace or while doing sport in your free time?
If you are financially protected, you can fully focus on your recovery and don’t need to worry about your financial situation.

If you are off sick as an employee, your employer will continue to pay your salary for up to six weeks. After that, Techniker Krankenkasse will take over and pay a reduced sick pay that covers about 70 per cent of your monthly gross income and a maximum of 90 per cent of your monthly net income. 

Bridge the income gap with income protection insurance

Your income gap could be as high as a couple of hundred euros per month. Who can afford such an unexpected reduction in income when you have ongoing monthly financial commitments such as loan repayments, rent and costs to run your car? 

Envivas income protection insurance bridges the gap that arises from the difference between your net income and the Techniker Krankenkasse sick pay.

Use our calculator (German version only) to find out about your income gap and how easy it is to bridge it.