Voluntary additional insurance

You don‘t want to give up your accustomed standard of living in old age? Then you should pay contributions to our voluntary additional insurance. The basic care, to which you make your compulsory contributions, is only a „basic care“ despite its high level of benefits. For many members, the pension it grants only covers the costs of “normal” living. Anyone who wants to travel a lot in old age, is planning major purchases (e.g. buying a car) or has to take care of relatives, is well advised to build up another pillar for their pension in good time. This can be, for example, a securities account, a private pension insurance or an owner-occupied or rented property. We offer our members another option with voluntary higher insurance.

It is particularly advantageous that payments into the voluntary additional insurance – as well as the compulsory contributions made to the basic pension – can be deducted from taxes as pension expenses. The resulting effect is enormous for many members: the annual tax liability can often be reduced by 20 to 30% of the contributions paid into the voluntary higher insurance. Please speak to your tax advisor or your tax office.

Our pension fund “belongs” to our members. Any surpluses generated benefit our members alone. The administrative costs incurred in the pension fund are extremely low. There are no distribution costs – such as those incurred by many private insurance companies.

The voluntary higher insurance has a particularly lucrative contribution / performance ratio. The calculated interest on the contributions paid is 2.5% annually. By way of comparison: the current guaranteed interest rate prescribed by the state for pension insurance from private insurance companies is 0.9% annually.

Your paid contributions are safe with us. Our pension scheme is subject to investment regulations, compliance with which is monitored by a state supervisory authority.

You can end your premium payments for the voluntary higher insurance at any time and also resume it later at any time. Just as it suits your personal life situation.

You can find detailed information about the voluntary height insurance here:

Contributions to the voluntary additional insurance must be „applied for“. An unbureaucratic notification of the intended contribution payment is sufficient for this: Please call us or send us an email or other written message. You are also welcome to use the prepared form attached. It is important that you tell us from when and in what amount you would like to make an additional payment into the voluntary additional insurance. If you want your account to be debited regularly, we need a SEPA direct debit mandate signed by you.

The application form for contributions to the voluntary additional insurance can be found here:

If you do not want to give up your accustomed standard of living in old age, then you should pay contributions to our voluntary additional insurance.