If you run a household and are unable to carry out your work following an accident or illness, unlike employees you have no statutory protection against the financial consequences. You must still manage your household, however, and continue to look after your children. CASA daily allowance insurance covers the additional expenditure incurred in the event of incapacity to work. This may include household help, external childcare or taxi journeys to the doctor’s.
- What benefits are covered?
- For whom is this insurance recommended?
- Good to know
- Why do I need household daily allowance insurance?
What benefits are covered?
Household daily allowanceAgreed 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.
- 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.
For whom is this insurance recommended?
- Persons running a household (mostly housewives) wishing to protect themselves against the financial consequences of incapacity to work due to illness or accident.
Good to know
Who can take out this policy?
You can take out this policy if you meet the following conditions:
- You are officially resident 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 long does the policy run?
- 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 each year. There is a notice period of three months.
- The insurance ceases automatically on your 70th birthday or if the maximum period of benefits has been reached.
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 from 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.
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 daily allowance insurance allows you to bridge this gap in cover for housewives and househusbands who are not in gainful employment, ensuring that you can afford to seek all possible support with housework and childcare.