Daily allowance insurance for homemakers: protect yourself against the financial consequences of illness or accident. You choose when you receive a daily allowance and what amount, for example for household help or childcare.
With CASA Household Daily Allowance Insurance, you receive the following benefits in addition to the statutory benefits under basic insurance:
As a homemaker, you are not legally protected against any financial consequences in the event of incapacity for work, unlike employees. In case of illness or accident, you would have to resort to external support, which can quickly become expensive. With CASA Daily Allowance Insurance, you can close this coverage gap. This helps you to afford assistance with household chores and childcare.
It offers you financial security as a homemaker if you are incapacitated for work due to illness, accident or maternity. The daily allowance payments help you finance the additional expenses that arise. Depending on your needs and budget, you can choose how much (CHF 10 to max. CHF 100 per day) and when you want to receive your daily allowance. Your pro-rata entitlement to a daily allowance begins at a minimum incapacity for work of 50%.
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. If the insurance premium changes, a one-month notice period applies. In this case, notice of cancellation must reach us by no later than the last working day in November.
The insurance ceases automatically on your 70th birthday or if the maximum period of benefits has been reached.
The 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.
The waiting period selected when you take out the policy applies to this insurance. If you opted for 14 days, for example, you will receive the first daily allowance payment two weeks after the date on which a doctor confirmed your incapacity for work.
You may also be interested in the following supplementary insurance:
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