Disability or death following an accident or illness

If someone becomes disabled or dies following a serious illness or accident, high costs are incurred. Children, adolescents, self-employed individuals and adults in charge of the household often have inadequate cover. PREVEA endowment insurance protects you and your family against the financial consequences and safeguards your future. For example, you can use the lump-sum benefit to pay for alterations in your house or apartment, professional integration measures or family care.

What's worth knowing about this topic? - Disability or death following an accident or illness

With PREVEA insurance, you can protect yourself against the financial consequences of an accident or illness. Because serious events like these can lead to financial difficulties, it is important that you protect both yourself and your family in order to maintain the standard of living to which you are accustomed.

Illness or accidents can be life-changing events that often leave you with a substantial hole in your pocket. With PREVEA insurance, you can protect yourself against the financial consequences of critical events such as these. Make sure that you and your family can maintain the standard of living to which you are accustomed.

Death or disability usually gives rise to expenses that are not covered by any insurance. With PREVEA, we pay out the agreed amount and you are free to use it in any way you wish.

You can adjust the sum insured in CHF 10,000 increments to meet your individual requirements. In this way, you benefit from exactly the insurance cover you need.

Definition for PREVEA Accident

Medically recognised disability

This involves the assessment of a patient's level of impairment (disability). The level of disability is determined based on a disability percentage table (see the IC for PREVEA Accident) and is therefore independent of any incapacity to work, which is determined by the IV.

  • E.g.:
    An orthopaedist certifies a patient as having a medically recognised degree of disability of 30%. However, the IV estimates the patient's capacity to work at 90% and therefore does not grant a disability pension.

Progression

PREVEA Accident capital insurance includes progression of up to 350% (up to age 70). This ensures that the amount of disability benefits will rise exponentially in the event of an increased degree of disability. The level of disability is assessed using the disability percentage table (see the IC for PRE-VEA Accident).

Progression starts from a 26% degree of disability. This means that for a medically recognised degree of disability of 26% according to the progression table (see the IC for PREVEA Accident), 27% of the insured sum, and not 26%, is paid out. For a 50% degree of disability, as much as 75% of the insured sum is paid out. And in case of full disability, you receive 350% of the insured sum.

  • E.g.:
    Capital insured: CHF 100,000
    Medically recognised disability caused by an accident: 50%
    Benefits without progression: CHF 50,000
    Benefits with progression (= 100%): CHF 100,000