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VIVANTE Long-Term Care Insurance

With VIVANTE Long-Term Care Insurance, you will remain financially independent even after a serious accident or illness. It gives you a daily allowance of an amount of your own choice for as long as you require care.

For example, you can use this money to pay for household help, child care, the uncovered costs of a care home or to compensate for a loss of salary - either your own or your partner's if they are caring for you.

Freely available daily benefit when long-term care is needed.

Insurance benefits

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

Long-term care Agreed daily benefits

You qualify as being in need of care if, due to illness or accident, you require a substantial level of third-party assistance in performing the following activities of daily living for at least six months:

  • Eating
  • Washing and dressing
  • Using the toilet
  • Standing up and walking
  • Walking up stairs

The level of care needed will be determined by an independent expert according to a standardised index. Four levels are possible: 25%, 50%, 75% or 100%. You will receive 25% of daily benefits from 25 points.

Where the need for care is proven, you receive, according to the coverage option you have selected, the following daily benefits, which you can use at your full discretion (without any obligation to show how you have spent it) - for example, for a household help or for the uncovered costs of accommodation and meals in a nursing home.

  • Economo: You receive daily benefits of CHF 40 per day if you need 100% care.
  • Standard You receive daily benefits of CHF 60 per day if you need 100% care.
  • Bronze: You receive daily benefits of CHF 80 per day if you need 100% care.
  • Silver: You receive daily benefits of CHF 100 per day if you need 100% care.
  • Gold: You receive daily benefits of CHF 140 per day if you need 100% care.
  • Platinum: You receive daily benefits of CHF 180 per day if you need 100% care.

The amount you receive declines the lower the level of care you need.

Conditions:

  • A doctor's certificate that confirms that you require care for more than six months.
  • Your level of care is at least 25%.
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 >

Calculate premium / request quote

Select your desired insurance cover. You can then request a quote or conclude the insurance directly online.

Premium calculator

FAQs

Answers to frequently asked questions about VIVANTE Long-Term Care Insurance:

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 VIVANTE Long-Term Care Insurance?
  • You receive a selectable allowance (daily benefit) for every day on which you require care.
  • You are entirely free to use the money as you see fit (without any obligation to show how you have spent it).
  • The daily allowance is guaranteed regardless of any other insurance cover you may have.
  • You can choose from between six different amounts from CHF 40 to CHF 180 per day.
  • Thanks to its modular structure, you can adjust the cover at any time to suit your personal circumstances.
  • The earlier you take out the cover, the less expensive the premium will be. And the premium you pay remains the same throughout the entire term of the insurance (entry-age premium).
Shouldn’t I wait until I'm older to think about the need for care?

Waiting until you're old before you start thinking about your need for care is risky. If you want to take out long-term care insurance, you have to complete a health declaration so the risk can be assessed – like with other supplementary insurance. So existing illnesses could lead to your application being rejected. That is why it is advisable to take out long-term care insurance in good time while you're still healthy.

You may also need care when you are young as a result of an accident. In addition, your age upon conclusion of care insurance has a decisive influence on the level of premiums you pay. The younger you are when you take out VIVANTE Long-Term Care Insurance, the lower your insurance premium.

Does care insurance only come into effect when I'm old?

No, the insurance is not dependent upon age. If you have a serious accident or illness when you are young and require care for at least six months, depending on your level of need for care you'll receive money every day (daily benefit) in the amount you previously selected.

You can use this money – as long as your need for care is proven – to pay for a household help, for childcare or to cover uncovered costs for a nursing home. You can also use it to compensate possible losses of income suffered by family members who care for you.

What does the entry-age premium mean?

The younger you are when you take out VIVANTE Long-Term Care Insurance, the lower your insurance premiums. That's because the amount of future premiums depends on your age when the insurance is concluded. The premium level will never change over the entire period of insurance.

What does the term in need of care mean?

You qualify as being in need of care if, due to illness or accident, you require a substantial level of third-party assistance in performing the following activities of daily living for at least six months:

  • Standing up and walking
  • Washing and dressing
  • Eating
  • Using the toilet
  • Walking up stairs
How is the need for care (care level) determined?

The level of care needed will be determined by an independent expert according to a standardised index. Four levels are possible: 25%, 50%, 75% or 100%. You will receive 25% of agreed daily benefits from 25 points.

For whom is VIVANTE Long-Term Care Insurance recommended?

As a general rule, VIVANTE makes sense for everyone, as even young people may need care. However, VIVANTE is recommended for the following groups of people in particular:

  • Young people as they are mostly not sufficiently covered under social insurance if they require long-term care.
  • People who engage in sports as they are exposed to a higher risk of accident.
  • The elderly as they often require very expensive care in the event of illness.
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 aged between 16 and 70 when you take out the insurance.
  • 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 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 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.

  • With this insurance, a waiting period of three years applies in the event of illness. That means you cannot claim benefits until the fourth insurance year. This same thing applies to occupational illnesses.
  • By contrast, you are covered from the date on which you take out the insurance in the event of an accident.
  • This policy does not have a waiting period. You are able to claim benefits upon requiring care provided that the waiting period has expired.
Is there a discount? How can I save on premiums?

For two or more family members insured under the same contract, we grant a family discount of 5% on this and other supplementary insurance; for three or more insured family members, the discount is 10%.

Details about the family discount >

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