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Further insurance

CURA Long-Term Care Insurance

If you require care over an extended period of time, basic insurance covers only part of the costs. The rest – such as expensive accommodation and meals in a care home or a household help in your own home – must be paid for out of your own pocket.

It's at times like these that CURA Long-Term Care Insurance steps in. Thanks to the allowances paid towards the remaining costs, you can protect your savings in the event that you require care.

Allowances for household help and for accommodation and meals in care homes.

Insurance benefits

The following insurance benefits are provided by CURA Long-Term Care Insurance in addition to those provided under statutory basic insurance:

Long-term care Agreed daily allowances

Where the need for care is proven, you will receive up to the insured daily allowance to meet those costs not covered by basic health insurance for a medically prescribed household help or for the cost of accommodation and meals in a nursing home as soon as the waiting period expires.


  • You receive healthcare benefits from the basic health insurance of more than an average 60 minutes per day.
  • You receive healthcare benefits (inpatient and outpatient including household help) from a service provider recognised under the Health Insurance Act (KVG).
  • You receive your inpatient treatment in a recognised facility (e.g. care home) in Switzerland.
  • You can produce clear evidence of the uncovered costs for household help or accommodation and meals in a nursing home.
What does basic insurance cover?

Basic insurance only assumes some of the care costs and does not cover any of the costs of accommodation and meals in a nursing home. Patients needing care must pay the uncovered costs themselves.

Details about basic insurance >

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Risposte alle domande più frequenti sull'assicurazione per le cure CURA:

Why do I need long-term care insurance?

If you require care in your old age, in the event of chronic illness or following an accident, compulsory basic insurance only contributes towards part of the health care costs. Should you require care, you must pay the remaining costs yourself, such as accommodation and meals in a care home.

If you require household help or nursing in a care home, you may have to dip into your own savings. Care homes are expensive and can quickly consume all the money you have saved over many years. Sometimes, even other members of your family must contribute to the care costs.

This makes it crucial to take out long-term care insurance in good time to protect your finances and your family's money more effectively.

What are the advantages of CURA Long-Term Care Insurance?
  • You have greater financial security if you require care – for an unlimited period of time.
  • You will receive a daily allowance towards the cost of accommodation and meals in a care home or towards the cost of a household help if you receive care in your own home.
  • You have the choice of various daily allowances (from CHF 10 to CHF 300 per day) and waiting periods – depending on your needs and your budget.
  • These allowances help to protect your savings more effectively should you require long-term care.
For whom is CURA Long-Term Care Insurance recommended?

CURA is recommended for the following groups of people in particular:

  • People over the age of 50 who are keen to minimise risk and would like to protect their finances as well as easing the financial strain on their heirs.
  • People who attach particular importance to comfort and privacy in a nursing home.
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 are under the age of 70 when you take out the policy.
  • 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.

Details about termination >

Is there a waiting period?

The waiting period is the number of days you have to wait once you meet the benefit conditions before you can obtain benefits under CURA. You can find the specific requirements in the description of insured benefits.

  • The waiting period selected when you take out the policy applies to this insurance. If you opted for 180 days, for example, you will receive the first daily allowance once you have received care under basic insurance for six months (at least 60 minutes per day).