's Disability Insurance for Railroad Employees

Secure a Job in Rail Operations

Immediate insurance coverage—no waiting period
Special rates for employees of Deutsche Bahn and its subsidiaries
Personalized advice from experts with extensive railway experience

That is why disability insurance
is important for railroad employees

Whether you’re a train engineer, a conductor, or a technician—many jobs in the rail industry place high physical and mental demands on you. It’s certainly not easy. A health setback—such as an accident or a serious illness—can unexpectedly bring a career to an end. DEVK’s disability insurance protects your financial security in such cases. Tailored solutions are waiting for you to explore them.

Benefits at a Glance

Income
, and insurance

If you become permanently unable to work, DEVK's disability insurance will pay you a monthly benefit.

Instant Protection Against the "
"

As soon as you sign your contract, you're insured. No waiting period at all.

Expandable in the event of changes to the "
"

We can adjust your insurance coverage. For example, if you get married, have a child, or are planning to buy a home.

Special Rates for
Railroad Employees

We offer particularly attractive and affordable terms for anyone insured through Deutsche Bahn or one of its subsidiaries.

Schedule a consultation

Request More Information

Our team is always here for you at

Team der AWT Finanz GmbH – DEVK Versicherungsagentur Berlin

For us, personalized advice on an equal footing is more than just a promise—it’s part of our DNA. Our advisors not only know how employee insurance works, but—most importantly—what it means for you as a railway employee. They understand your day-to-day work and speak your language. We think that’s important!

No matter what questions you have about occupational disability—we’ll take the time to help you.

Feel free to contact our service hotline or use our contact form to request a callback.

Service Hotline

030 666 43 225

Service Hotline

030 666 43 225

What the occupational disability insurance
offers you

If you’re unable to work for an extended period, the disability insurance for railroad employees will pay you a monthly benefit. It’s essentially compensation for lost income, since your fixed living expenses continue to accrue and need to be covered.

An Overview of the Specific Services

Whether it's basic coverage, expanded benefits, or special perks for railroad employees, here you'll find a concise summary of the most important benefits.

Basic Coverage

Monthly Benefit

If you are unable to work for an extended period due to illness.

Psychological causes

If you are no longer able to work for mental health reasons.

Exemption from contributions

If you are receiving benefits, you are exempt from the obligation to pay contributions.

Advanced Options

Dynamic Adjustment

Sometimes you earn more, sometimes less. That's why the insured amount can be adjusted regularly to reflect changes in your salary.

Retroactive coverage available

We can increase your benefits without requiring another medical exam. For example, if you get married or have a child.

ly flexible in my career

If you change jobs or completely reorient your career, your contract can still be adjusted.

Special Provisions for Railroad Employees

Special Rail Rates

We offer discounted rates to employees of Deutsche Bahn and its subsidiaries.

Industry-Specific Protection

We take into account activities and risks in the rail sector.

Immediate Insurance Coverage

Insurance coverage begins as soon as you sign.

We'd be happy to discuss with you in a one-on-one conversation which coverage is right for your situation.

Schedule a consultation

Request More Information

's Frequently Asked Questions About Disability Insurance

1Who is eligible to purchase this insurance?

All employees in the rail sector. No matter what position you hold. From train operations to maintenance to administration—we’ve got you covered!

2What does "immediate protection" mean?

Insurance coverage begins immediately upon the policy's effective date. There is no waiting period or grace period.

3What happens if my career path changes?

Your insurance can always be adjusted to suit your needs. If the need arises, we'll need to talk in person about your preferences and the available options.

4Are there special terms and conditions for railroad employees?

Of course! At DEVK, employees of Deutsche Bahn and its subsidiaries receive customized rates and exclusive benefits.

Advice and Support

It doesn't matter at all whether you work for Deutsche Bahn, a subsidiary, or a private rail company. We're here to support you when it comes to important coverage for occupational disability.

Schedule your consultation now and let us provide you with personalized support.

Service Hotline

030 666 43 225

Schedule a consultation

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Additional Insurance Options for Railroad Employees

Pension Funds

A pension fund is a smart way to plan for retirement. Pension funds are flexible, offer high returns, and provide tax advantages.

Learn More

Professional Liability Insurance

Professional liability insurance provides you with reliable protection in the event of errors or misunderstandings in your day-to-day work.

Learn more

Legal Expense Insurance

Legal protection insurance helps you assert your rights and supports you in legal disputes.

Learn more

's Disability Insurance for Railroad Employees

That is why disability insurance is important for railroad employees

Benefits at a Glance

Income, and insurance

Instant Protection Against the " "

Expandable in the event of changes to the " "

Special Rates for Railroad Employees

Our team is always here for you at

What the occupational disability insuranceoffers you

An Overview of the Specific Services

Basic Coverage

Monthly Benefit

Psychological causes

Exemption from contributions

Advanced Options

Dynamic Adjustment

Retroactive coverage available

ly flexible in my career

Special Provisions for Railroad Employees

Special Rail Rates

Industry-Specific Protection

Immediate Insurance Coverage

's Frequently Asked Questions About Disability Insurance

Advice and Support

What our customers say

Additional Insurance Options for Railroad Employees

Pension Funds

Professional Liability Insurance

Legal Expense Insurance

That is why disability insurance
is important for railroad employees

Income
, and insurance

Instant Protection Against the "
"

Expandable in the event of changes to the "
"

Special Rates for
Railroad Employees

What the occupational disability insurance
offers you