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Death or Disability Insurance

Accidents and illnesses can have tragic consequences and lead to major financial problems. Death or Disability Insurance provides the necessary security.

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The advantages for you

  • Worldwide insurance cover.
  • Up to CHF 2,100,000 for you and your loved ones.
  • Benefits tailored to your needs.
  • Pays regardless of other insurance policies.

Good to know

You name the individuals or institutions who are to receive the benefits. Can be changed at any time.
Save up to 50%
Pay 50% less for your children for the risk of accident and 5% less for illness.
Tax advantages
Payouts are taxed separately from other income, at a reduced rate.
Your premium
Premiums depend on your age and gender and the sum insured.

How Death or Disability Insurance works

Help if you become disabled

The sum insured covers your loss of earnings if you become disabled and helps to fund the cost of any alterations to your home or any aids you may need to assist with daily living. The payout ensures you can go undergo occupational retraining – which may be only partly covered, if at all, by statutory disability insurance.

Security if you die

If you die, those closest to you will receive a lump sum so they won’t be left with financial difficulties. Payment will be made in the event of death or disability regardless of any benefits due from other insurers.

Your premium at a glance

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Benefits at a glance

Accident-related benefits

  • Up to CHF 2,100,000 paid out in the event of disability
  • Up to CHF 200,000 paid out in the event of death
  • Progression of the disability lump sum in case of accident up to 350%

Frequently asked questions

You can take out the insurance as follows:

  • Accident: up to the end of the calendar year in which you turn 65.
  • Illness: up to the end of the calendar year in which you turn 55.

Yes, the insurance covers you while travelling anywhere in the world.

The insured death lump sum is paid out in the following order:

  • Spouse / registered partner.
  • Then, any children.
  • If you have no children, any other statutory heirs.

You can nominate other people at any time by filling out the beneficiary declaration.

No. It provides this insurance in partnership with Helvetia Schweizerische Lebensversicherungsgesellschaft AG.


Personal advice

Get in touch for a personal consultation.