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Guaranteed income despite an inability to work

It can happen to anyone: All of a sudden, you are unable to work for some days or weeks. The loss or reduction of your income is an unpleasant consequence of this. The ÖKK COMPENSA loss of income insurance protects you from the loss of income in such cases. You receive daily allowance benefits in the event of illness, accident or childbirth.

With ÖKK COMPENSA, you are comprehensively insured as follows

  • Daily allowance starting at a 25% incapacity to work
  • The insured daily allowance is either paid out for 730 or 365 days for illness and accident
  • Eight weeks of daily allowance benefits are paid out for childbirth (double if the insurance has been in place for at least 3 years)

Further advantages

  • Closes the gap to gross pay for employees
  • Continued insurance in case of unemployment
  • Self-employed persons can also insure profit costs 
  • The same premiums for men and women 
  • No-claims discount

Save on premiums with the no-claims discount

ÖKK provides you with a discount of 36 percent on ÖKK COMPENSA if you do not draw any benefits from the policy (discount level 1). The discount ceases to apply once you claim any benefits; you are then returned to discount level 0. If you then do not claim any benefits from the ÖKK COMPENSA policy over the following three year period, you are returned to discount level 1.

The observation period runs from 1 September (or the start of the insurance policy) to 31 August of the following year.

Diagram: Discount levels 0 and 1. Discount level 0 = You pay 100 percent of the premium, Discount level 1 = You pay 64 percent of the premium.

Order the insurance conditions for our range of products free of charge or view them online as PDF documents.

Advice and contact

We would be pleased to advise you on our insurance products and services.