(1) In the case of occupational disability insurance, the insurer is liable to pay the agreed benefits for any occupational disability arising after the beginning of the insurance.
(2) ‘Occupational disability’ refers to anyone who, in consequence of sickness, physical injury or loss of strength over and above what is normal for their age, can probably no longer wholly or partially exercise their most recently exercised profession in the long run to the same extent as when they had no health impairments.
(3) The insurer may agree as a further precondition for his or her liability that the insured person does not or cannot exercise another profession which he or she is in a position to take on based on his or her training and skills, and which corresponds to his or her previous position in life.