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.
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.
We reimburse you for the following services under PREVEA Illness capital insurance:
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
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.
You can take out this insurance if you meet the following criteria:
This policy has no minimum term. You can cancel it at any time effective as of the end of a month, subject to a three-month notice period. If the premium is adjusted, a shortened notice period of one month applies. PREVEA Illness ceases automatically on 31 December after your 59th birthday.
You can find out more detailed information about cancellation here.
The “waiting period” is the time between the date of initial diagnosis of illness and the date on which you are able to claim benefits.
There is no “waiting period”, but the lump-sum benefit cannot be calculated until Swiss Federal Disability Insurance (DI) has confirmed the level of disability.
In the case of children, this can cause payment of the lump-sum disability benefit to be postponed until the completion of initial education.
For further information, please contact our Client Services on 0844 80 81 82.
The following supplementary insurance policies may also interest you:
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