New for daily allowance insurance
These changes will apply to our products for cover in the event of absence from work from 1 January 2027.
Age-related changes to daily allowance insurance
There will be an age-related adjustment for the following products as at 1 January 2027, in accordance with the entitlements under your existing contract. The premiums and products are stated in your policy.
Insured persons who have reached the age of 65 (born in 1961)
This insurance will be continued as follows: maximum daily allowance of CHF 10 for accidents and illness. Higher daily allowances will be reduced to CHF 10 per person as of 1 January 2027.
On reaching OASI retirement age (men born in 1961, women born* in 1962)
The insurance will be discontinued in principle for all insured persons effective 1 January 2027.
For insured persons who are still employed, the policy can be continued until the end of the calendar year in which they turn 70 on the following basis:
- Maximum daily allowance amount as before
- Duration of benefits: 180 days
- Maximum waiting period: 30 days
If you would like to take up this option, please notify us in writing by 31 January 2026.
* Two age groups are affected by the AHV 21 reform; both the listed age groups will reach the reference age in 2026
Insured persons who have reached the age of 70 (born in 1956)
Existing insurance policies will be cancelled with effect from 1 January 2027.
On reaching OASI retirement age (men born in 1960, women born* in 1962)
The policy will be continued until the end of calendar year in which the insured person reaches the age of 70 with a maximum daily benefit of CHF 50. Higher daily allowances will be reduced to CHF 50 as of 1 January 2027.
* Two age groups are affected by the AHV 21 reform; both the listed age groups will reach the reference age in 2026.
Insured persons who have reached the age of 70 (born in 1956)
The policy will be cancelled with effect from 1 January 2027.
Further changes from January 2027
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