If you require long-term care as a result of a serious illness or following an accident, the costs can quickly spiral out of control. Your absence from work and subsequent loss of income can further exacerbate the situation, as the statutory minimum contribution from employers is often not enough to cover all your financial obligations. In the event that you require care, VIVANTE pays you daily allowances which you can use as you best see fit. It doesn't matter whether you are in a care home or are looked after in your own home by your family or by specialists. You alone determine how the daily allowance is to be spent.
- What benefits are covered?
- For whom is this insurance recommended?
- Good to know
- How you can save premiums
- Why do I need long-term care insurance?
What benefits are covered?
Long-term careAgreed 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:
- 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.
- A doctor's certificate that confirms that you require care for more than six months.
- Your level of care is at least 25%.
For whom is this insurance recommended?
- 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.
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.
- Your 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 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 effective 31 December of any given year. There is a notice period of three months.
- If there are changes in premiums, a shortened notice period of one month applies.
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 on 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.
- With this insurance, a waiting period of three years applies in the event of illness. Therefore, you can only claim benefits from the fourth year of insurance at the earliest. The same 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 time. You are able to claim benefits upon requiring care provided that the waiting period has expired.
How you can save premiums
Family discountMinimum 5 % discount
Currently, you get the following family discounts on supplementary insurance from the Helsana Group:
- 5% discount if there are two people in the same household
- 10% discount if there are three or more people in the same household
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. In the event that you need care, you must bear the uncovered 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 up over the years. Sometimes, even other members of your family are required to contribute to the care costs.
This makes it crucial to take out long-term care insurance in good time to protect your assets and your family's money more effectively.