A monthly benefit
Paid until retirement age. At the level you need today.
800+clients in Austria
15+insurers compared
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4languages DE · UA · RU · EN
§28MaklerG best advice
GISAlicensed insurance broker
Occupational disability does not change one life. It changes a family.
Occupational disability is not a dramatic event from the news. It arrives quietly: a slipped disc, a depression, a cancer diagnosis, a burnout that will not lift. In Austria the state disability pension often amounts to 40 to 50% of your last income — and only if you meet the strict conditions.
Anyone with a family, a loan account, a tenancy, a promise made to their children knows: 50% is not enough. Private occupational disability insurance pays a monthly benefit — agreed at the level you actually need. That is not caution. That is responsibility.
The stronger one is not the one who can do more, but the one who cares more.
What you get with Wenexus.
Six promises we are happy to be measured against.
No abstract referral
No referral to some other occupation — you are insured in the profession you actually have.
Mental health included
Burnout, depression and anxiety disorders are covered — among the most common causes of claims.
Premium waiver
If you become unable to work, we keep paying your premiums — you keep the cover.
Guaranteed top-up option
A child, a wedding, a house? You raise the benefit — with no new health assessment.
Cover worldwide
The benefit is paid even if you return to Ukraine to be cared for.
Three routes, three prices. One conversation.
We recommend the plan that fits your life — not the most expensive one.
Basic
from38€/month
- Included: Benefit up to 1,500 €/month
- Included: Until age 65
- Included: Mental illness
- Not included: No abstract referral
- Not included: Automatic annual increase
- Not included: Guaranteed top-up option
Comfort
Recommendedfrom72€/month
- Included: Benefit up to 2,500 €/month
- Included: Until age 67
- Included: Mental health and burnout in full
- Included: No abstract referral
- Included: Guaranteed top-up option
- Not included: Long-term care module
Premium
from118€/month
- Included: Benefit up to 4,000 €/month
- Included: Until age 67
- Included: Full mental health cover
- Included: Long-term care module included
- Included: Benefit rises 3% a year
- Included: Worldwide cover
The exact premium depends on your age, your region, the insured object and your claims history. We will send you a PDF comparing the three best options — with no obligation to buy.
Four steps. In person. In your language.
Needs analysis
A 30-minute conversation — in German, Ukrainian or Russian. We understand your situation before we open a single plan.
Market comparison
We compare 15+ insurers on the scope of cover, the Selbstbehalt (deductible) and how they actually settle claims — not just on the premium.
Signing
You sign digitally or in our office. We take care of cancelling your old policy.
When you claim
We call the insurer. We translate. We represent you. That is best advice under §28 MaklerG.
Your plan. Within 24 hours. On a single page.
We compare 15+ insurers and send you a PDF — the three best options, honestly compared.
- A personal needs analysis — no bots
- A comparison of 15+ insurers
- A clear plan comparison on one page
- Advice in DE, UA, RU or EN
Voices from the diaspora.
„At 41 a slipped disc pushed me out of my profession. The Wenexus policy has been paying for two years. I was able to keep my word to my family.“
„Dmytro spent two hours doing the maths with me before we signed. Nobody had ever taken that much time for me.“
„The health questions frightened me — my German is not good enough for them. Wenexus went through them with me line by line. Accepted, with no exclusions.“
Answers in a language you understand.
Incapacity to work (under the ASVG) means you can no longer do any work at all — a strict legal definition. Occupational disability means you can no longer do your specific job, roughly a 50% reduction in capacity. A private disability policy is considerably easier to claim on.
On average 40–55% of your last gross income — provided you have 60 insured months and meet the strict conditions. With diaspora career histories that have gaps, the share is often lower.
A worked example: 35 years old, IT consultant, non-smoker, in good health. A benefit of 2,000 €/month until 67. Premium: 55–90 €/month depending on the insurer. We compare three plans for your specific situation.
With serious plans: yes, in full. Burnout, depression, anxiety disorder — today among the most common causes of claims, around 30% of all cases. Important: do not accept exclusion clauses in the contract.
With plans that waive abstract referral, the cover stays tied to your original profession. If you change voluntarily, the level of the benefit stays the same. In a claim, the last profession is what counts.
Yes, as far as it is relevant and available. You must declare pre-existing conditions truthfully. We help with correct translation and classification — and, in case of doubt, place you with an insurer whose acceptance criteria are more open.
You took on the responsibility. Now we take it seriously.
A 45-minute conversation with Dmytro — in your language. We do the maths honestly. You decide without pressure.
Free consultation · No obligation