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CASA Household Daily Allowance Insurance – for housewives and househusbands

CASA Housewive Insurance supports you financially if you manage a household and are incapacitated due to an illness or accident. For unlike employees, the law does not protect you against the financial consequences. You must still manage your household, however, and continue to look after your children.

With daily benefits payments from CASA Household Daily Allowance Insurance, you can finance expenses incurred when the person running the household is unable to work. This may include household help, external childcare or taxi journeys to the doctor’s.

Protection against additional household and family expenses incurred if the person who runs the household is unable to work.

Insurance benefits

The following insurance benefits are provided by CASA Household Daily Allowance Insurance in addition to those provided under statutory basic insurance:

Household daily allowance Agreed daily benefits

We do not require proof of costs for daily allowances of up to CHF 50.

In the event of accident or illness, you receive a daily allowance in the amount you have selected for up to 365 days over the course of 5 years, as soon as the agreed waiting period has expired. In the event of maternity (pregnancy and birth), you receive a daily allowance in the amount you have selected for 20 days.

Conditions:

  • You have a degree of incapacity to work of at least 50% (you are considered unable to work if you can no longer manage your household following an accident or illness).
  • Your medical provider has issued a certificate confirming your incapacity.
What does basic insurance cover?

Costs are not covered by basic insurance. Insured persons themselves must pay for additional household and family expenses incurred if the person running the household is unable to work.

Details about basic insurance >

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FAQs

Answers to frequently asked questions about CASA Household Daily Allowance Insurance:

Why do I need household daily allowance insurance?

Unlike employees, as a person running a household you have no statutory protection against the financial consequences of incapacity to work due to illness or accident. You must still manage your household, however, and continue to look after your children, but external assistance costs money.

CASA Household Daily Allowance Insurance allows you to plug this gap in cover for housewives and househusbands who are not in gainful employment. You can get all the help you need for housework and childcare.

What are the advantages of CASA Household Daily Allowance Insurance?
  • Financial security for housewives/househusbands in the event of accident, illness or maternity.
  • The daily allowance payments fund the additional household and family expenditure incurred if the person running the household is unable to work.
  • You can choose between various different daily allowance amounts (from CHF 10 to CHF 100 per day, up to CHF 3,000 per month) and waiting periods – depending on your needs and your budget.
  • Your entitlement to daily allowance payments begins from a degree of incapacity to work of just 50%.
Who can take out this insurance?

You can take out this insurance if you meet the following conditions:

  • You have your official place of residence in Switzerland.
  • You run your own household.
  • You are at least 16 years old when you take out the policy and have not yet reached AHV age.
  • We accept your application. For the purposes of risk assessment, we require you to fill in a health declaration.
How and when can I terminate the insurance?
  • The minimum term is one year.
  • The contract is automatically renewed each year on the expiry date for a further year.
  • You can terminate the policy on 31 December of each year, subject to three months' notice.
  • If the premium is adjusted, a shortened notice period of one month applies.
  • The insurance ceases automatically on your 70th birthday or if the maximum period of benefits has been reached.

Details about termination >

Is there a waiting period?

The waiting period is the time between the date of the accident or initial diagnosis of the illness and the date on which you are able to claim benefits.

  • The waiting period selected when you take out the policy applies to this insurance. If you opted for 14 days, for example, you will receive the first daily allowance payment two weeks after the date on which a doctor confirmed your incapacity to work.

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