BU Flex

Occupational disability insurance - protection against the financial consequences of losing your ability to work

Disability insurance is an important investment in your financial security. It’s particularly worth taking the time to compare policies carefully, as the differences often lie in the details.

Our experts will be happy to advise you personally.

What BU Flex offers

BU Flex pays you a monthly pension if you are no longer able to carry out at least 50% of your last occupation.

The insurance cover applies in the event of:

  • Illness
  • Accident
  • mental health issues

Temporary incapacity to work is also covered. Furthermore, you can flexibly extend your BU Flex cover and tailor the insurance cover to your personal circumstances.

Your benefit as an IGBCE member: the Benefits Check (L-Check). Trained specialists will assist you with claiming your insurance benefits. On request, we can also help you apply for a disability pension from the statutory pension insurance scheme.

Security begins with a conversation.


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  • Low premium at corporate rates
  • Minimum premium for 70% of the benefit with BU protect for up to 36 months for just €5 a month
  • Increased cover through dynamic premium adjustments
  • Special rates for school pupils, students and apprentices
  • Comprehensive cover even for part-time work
  • Worldwide, round-the-clock cover
  • Option for a lower premium if you switch to a lower-risk occupation
  • Increases in benefits through the supplementary insurance guarantee
  • Maximum entry age 55
  • Highlights sheet (PDF)

Questions about our insurance offers?

We have the answers

We offer honest, clear and well-structured advice – it’s really straightforward.

Get a free consultation now

Calculation examples

Industrial clerks

Covered: €1,000 monthly occupational disability pension, end age 67, non-smoker, policy start date: 1 May 2026

  • 25 years, monthly premium: €34.53
  • 30 years, monthly premium: €37.57
  • 35 years, monthly premium: €45.00

Specialist for mechatronics

Covered: €1,000 monthly disability pension, end age 67, non-smoker, policy start date: 1 May 2026

  • 25 years, monthly premium: €48.88
  • 30 years, monthly premium: €53.32
  • 35 years, monthly premium: €63.50
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