Further insurance

PREVEA Accident and PREVEA Illness capital insurance

When someone is disabled or dies following an accident or serious illness, we have to cope not only with the tragic personal consequences but in many cases also with high costs. The flexible and inexpensive PREVEA capital insurance protects you and your loved ones 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.

  1. What benefits are covered?
  2. For whom is this insurance recommended?
  3. Good to know
  4. Why do I need capital insurance?

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What benefits are covered?

Death or disability following an illness
Sum insured
  • In the event of disability, you receive the sum insured as soon as you have the confirmation of pension entitlement from the Federal Disability Insurance.
  • In the event of death, your beneficiaries or surviving relatives receive the sum insured.
Death or disability following an accident
Sum insured
  • In the event of disability, you receive the sum insured based on your physical limitations, irrespective of how the injury affects your working life. In other words, your benefits depend on the medically recognised disability.
  • From the age of 70, you receive the lump sum in the form of a pension, with a maximum limit on the total sum of CHF 100,000 (higher sums insured are reduced accordingly upon reaching the age of 70).
  • In the event of death, your beneficiaries or surviving relatives receive the sum insured.
  • In addition, you receive benefits for property damage, medical aids, rescue, recovery, travel and transport costs, home nursing care and transport of human remains and burial costs.

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For whom is this insurance recommended?

  • Children, young people, self-employed persons and persons running a household, who have minimal or no protection under social insurance.
  • Employees wishing to bridge existing gaps in cover.

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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 are under the age of 55 (PREVEA Illness) or under the age of 70 (PREVEA Accident) 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 long does the policy run?
  • This policy has no minimum term. You can cancel it at any time effective as of the end of a month, subject to a three-month notice period.
  • If the premium is adjusted you can cancel the policy as of 31 December. A shortened notice period of one month applies in such cases.
  • PREVEA Illness ceases automatically on 31 December after your 59th birthday.
Is there a waiting period or waiting time?

The waiting period is the period between the date on which the insurance cover under your policy begins and the date from which you can claim benefits.

The waiting time 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.

  • This policy does not have a waiting period, so you are eligible for benefits as soon as it starts.
  • This policy does not have a waiting time.

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Why do I need capital insurance?

Accidents and illnesses resulting in disability or death often give rise to high costs. Social security provides children, young people and persons running a household with little or no protection against the financial consequences of disability. However, uncovered costs can also arise in the event of a death.

Children
  • Disability in children following an illness or accident is especially tragic and has serious consequences. The minimal benefits offered by disability insurance are generally not enough to bear the financial consequences.
Young people
  • Disability can destroy future plans. Professional training or studies suddenly become a distant prospect, and life has to be reassessed.
Adults
  • Persons running a household are often not adequately protected against the financial consequences of disability. After a serious illness or accident, disability can have unforeseen consequences for households and families, for example in terms of childcare.
  • PREVEA is also a simple and inexpensive way for employees or self-employed persons to bridge existing gaps in their cover.

The generous lump-sum benefit provided by our flexible PREVEA capital insurance helps mitigate the financial consequences and improve the future prospects of those affected and their families.

In the event of your death, the PREVEA lump sum safeguards your family’s financial security and future.


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