CURA Long-Term Care Insurance supports you if you are dependent on long-term care. You receive contributions toward household help or nursing home costs and thus protect your assets if you need care.
With CURA Long-Term Care Insurance, you receive the following benefits in addition to those covered by basic insurance:
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 uncovered costs, such as room and board (accommodation), if you need care.
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 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.
CURA is recommended for the following groups of people in particular:
You can take out this insurance if you meet the following conditions:
Details about the health declaration (Link / Asset folgt)
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 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 CURA Long-Term Care Insurance, the waiting period selected by you when you took out the policy applies (180, 360, 720 or 1,080 days). If you opted for a waiting period of 180 days, for example, you will receive the first daily allowance after expiry of these six months when you have already required care (at least 60 minutes per day).
You may also be interested in the following supplementary insurance:
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