With VIVANTE Long-Term Care Insurance, you are paid an amount of your choice every day for as long as you need care. You are completely free to use the daily benefit you receive for any purpose.
With VIVANTE Long-Term Care Insurance, you receive the following benefits in addition to those covered by basic insurance:
You qualify as having a need for care if, due to illness or accident, you require a substantial level of third-party assistance for at least six months. This applies to the following everyday activities:
The level of care needed is determined by an independent expert according to a standardised process (Barthel Index). Four levels are possible: 25%, 50%, 75% or 100%. You will receive 25% of the daily benefit from 25 points.
You are entirely free to use the daily benefit you receive as you see fit; there is no obligation to show how you spend it. For example, you can use it for household help or to cover the uncovered accommodation costs (room and board) in a nursing home. If you have a proven need for long-term care for at least six months, you will receive between CHF 40 and CHF 180 (with 100% need for care), depending on the amount of the daily benefit you have chosen.
An initial waiting period of three years applies to VIVANTE insurance in the event of illness. That means you cannot claim benefits until the fourth insurance year. The same applies for occupational illnesses.
Basic insurance only covers a portion of care costs. It does not contribute at all to the costs of accommodation and meals in a nursing home. Patients needing care must pay the uncovered costs themselves.
If you require long-term care in your old age, in the event of chronic illness or following an accident, compulsory
basic insurance only contributes toward part of the healthcare costs. You must pay the remaining costs yourself, such as accommodation and meals in a nursing home.
If you require household help or care in a nursing home, you may have to dip into your own savings. Staying in a
nursing home is particularly expensive and can quickly eat up your saved assets. Sometimes, even other members of your family must contribute to the care costs.
It is therefore important to take out long-term care insurance at an early stage. This way, both your assets and your family's money are better protected.
To take out long-term care insurance, you must complete a health declaration for risk assessment purposes. 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 are still healthy.
Youmay also need care when you are young. And the age of entry into long-term care insurance has a significant effect on premium levels. The younger you are when you take out VIVANTE Long-Term Care Insurance, the lower your insurance premium. The premium level remains the same throughout the entire term of the insurance.
No, VIVANTE long-term care insurance is not dependent on age. If you are in need of care for at least six months at a young age due to an accident or illness, you will receive the daily benefit in the amount you have previously selected, depending on your degree of need for care.
The amount of future premiums depends on your age when the insurance is concluded. For example, if you take out VIVANTE Long-Term Care Insurance at age 30, you will remain at this premium level for the entire term of the insurance. So, the younger you are when you take out the insurance, the lower your insurance premiums will be.
You qualify as having a need for care if, due to illness or accident, you require a substantial level of third-party assistance for at least six months. This applies to the following everyday activities:
The level of care needed is determined by an independent expert according to a standardised process (Barthel Index). Four levels are possible: 25%, 50%, 75% or 100%. You receive 25% of the agreed daily benefit from 25 points, 50% from 50 points and so on. |
Generally speaking, VIVANTE makes sense for everyone, as it is unfortunately possible to need care even at a young age, for example due to an accident. |
You can take out this insurance if you meet the following conditions:
The minimum term is one year. The contract is automatically renewed each year on the expiry date for a further year.
You can cancel the insurance with effect from 31 December of each year and switch to another health insurance company in Switzerland. Three months' notice of cancellation must be given. Notice of cancellation must reach us by no later than the last working day in September.
A waiting period is the time (from the start of the contract) during which you do not yet have a claim to insurance benefits. The length of the waiting period can vary depending on the insurance benefit.
A waiting period is the time between the date of an accident or initial diagnosis of illness and the date on which you are able to claim benefits.
For two or more family members insured under the same contract, we grant a family discount of 5% on this and other supplementary insurances; for three or more insured family members, the discount is 10%.
You may also be interested in the following supplementary insurance:
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