PREVEA Illness

Your capital insurance for illness. A physical or mental illness can change your life radically. PREVEA Illness ensures you and your family are covered if the worst should happen.

  • Financial protection in the event of disability
  • Financial protection for your relatives in the event of your death
  • Choose your insured sum

Mental illnesses are one of the most common triggers of disability. But a serious physical illness like multiple sclerosis can also trigger high uncovered costs. PREVEA Illness covers the financial consequences of a mental or physical illness with generous lump-sum benefits – for instance, ensuring family and household support.

Insured benefits

We reimburse you for the following services under PREVEA Illness capital insurance:

In the event of disability resulting from illness, you will receive the insured sum as soon as the confirmation of pension entitlement is available from Federal Disability Insurance.

In the event of death, the beneficiaries you have identified or your surviving relatives receive the insured sum.

Basic conditions

  • 0–2.5 years of age: death max. CHF 2,500, disability max. CHF 300,000
  • 2.5–12 years of age: death max. CHF 10,000, disability max. CHF 300,000
  • 13–20 years of age: death max. CHF 300,000, disability max. CHF 300,000
  • 21–55 years of age: death max. CHF 500,000, disability max. CHF 500,000
  • From the 56th year of age, the economic consequences of disability can be insured only for a maximum of CHF 100,000. Existing insurances will be reduced accordingly.
  • Over 60 years of age: expiry on 31 December after the insured person has reached the age of 59.


Frequently asked questions

Illnesses resulting in disability or death often give rise to high uncovered costs – e.g. for professional integration measures or ensuring family or household support.


We recommend capital insurance for people with no or insufficient cover from an occupational pension (pension fund). This applies in particular to:


Children and young people

  • If your child becomes disabled following illness, health insurance will pay for treatments under basic insurance. After that, the child is entitled to care premiums and a helplessness allowance under disability insurance (DI). These amounts are relatively modest and only cover the costs to a limited extent. 
  • The DI pension will not be paid out until the age of 18. The pension amount generally ensures subsistence minimum. Entitlement to a full disability pension starts from a disability level of 70%. This pension equates to a maximum of CHF 28,680 per year (CHF 2,390 per month; status as at 2021).



Students earn little while training or studying for a degree. As such, in the event of a claim, they receive only a minimal pension under the first pillar (disability insurance) and, at best, the second pillar (pension fund) if they become disabled – and that up until they retire.


Unemployed individuals or part-time workers

They receive minimal protection from social insurance.

Self-employed individuals and employees

They can cover existing insurance gaps with a capital insurance policy.

  • The generous lump-sum benefits ease the burden on you and your family in the event of disability or death.
  • You can choose different insured sums for disability and death, rising in increments of CHF 10,000.
  • You receive the lump sum independently of any benefits paid out under other insurance policies.
  • You make no long-term commitment and can cancel the policy at any time by giving three months’ notice – without financial penalty.

You can take out this insurance if you meet the following criteria:

  • You have your official place of residence in Switzerland.
  • You are under the age of 55 when you take out the policy.
  • We accept your application. For the purposes of risk assessment, we require you to fill in a health declaration.
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Other supplementary insurance

The following supplementary insurance policies may also interest you:

PREVEA Accident

Insurance in the event of death or disability following an accident.

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