The Best German Disability Insurance Companies: Ranked by RealRate’s Incredible AI



The results, sorted by technical future interest rate, can be seen here.


The Top 10 Disability Insurance companies are as follows:




The top 3 Disability Insurance companies in order are Deutsche Ärzteversicherung, WWK Leben, and HELVETIA Leben.


They had Economic Capital Ratio figures of 4.18%, 3.84%, and 3.78% respectively.


Deutsche Ärzteversicherung and WWK Leben did well due to their strong Risk and Other Result scores, and HELVETIA Leben did well due to a strong Hidden Reserves on Liabilities score.


Deutsche Ärzteversicherung took the top spot for an incredible 7 years running, so huge congratulations there. WWK Leben climbed 55 positions from 57th to 2nd due to its excellent Risk and Other Result score. HELVETIA Leben moved up from 31st to 3rd, so well done there, too


From a total of 57 Disability Insurance companies, 14 received our ‘Top Rated’ award.







The next 10 Disability Insurance companies are as follows:




Disability insurance in Germany is one that replaces part of your monthly income in case a disability arises which means you cannot work.

There are many types of policies that differ in cost and overall coverage, but it is usually about 1-3% of your annual salary.

Over 8 million people in Germany currently have such a policy. Term-life and disability insurance will only pay out in the event of death or disability, respectively.

The Top-Rated insurance companies will be able to maintain high bonus participation in the future.


RealRate brings to the market fair and independent company ratings, coupling together expert knowledge with revolutionary artificial intelligence. Our AI model processes the all-important technical future interest rate figure.

We are completely unbiased and are not connected to any insurance company. We are and always will be fair and explainable.

We are RealRate, bringing to the world a brand-new way to see ratings.