I am interested in
?
The “Search” function is not available at the moment, please try again later.
Please get in contact with us. To contact form
  • Insure against risks and ease the survivors' burden

    18.01.2022 | Martin Hügin
    You cannot prevent personal suffering but you can ease the financial consequences of an unfortunate incident that can often threaten livelihoods. Use these insurance options and personal pension documents to take forward-looking precautions.
1319451808

Insure against risks and ease the survivors' burden

18.01.2022 | Martin Hügin
1319451808
You cannot prevent personal suffering but you can ease the financial consequences of an unfortunate incident that can often threaten livelihoods. Use these insurance options and personal pension documents to take forward-looking precautions.

A disability pension supplements your income

Anyone can lose their job. Luckily this is often just temporary, and the unemployment insurance scheme usually helps out. But hardly anyone thinks about no longer being able to work. In 2020 alone, around 16,600 people in Switzerland lost their ability to earn after an accident or illness. This is usually associated with considerable financial losses, as first and second-pillar disability pensions cover only part of the original income. A private disability pension can substantially boost your income.

Protect non-employed persons and part-time employees

Mothers and fathers who do not work or work only part-time and look after children deserve special attention. An individual disability pension makes sense here too. In the event of disability, additional childcare or household help is often needed. For non-married couples, minimum OASI contributions also have to be paid for the non-employed person, as otherwise there may be gaps in the disability benefits. And anyone who works less than eight hours per week must include accident cover with their health insurance scheme as this is otherwise not covered in their everyday private lives.

Whole life insurance covers financial obligations

After a death, the survivors often have to offset financial obligations. It may also make sense to reduce the mortgage so that the family can continue to live in their own four walls and continue to finance their home. Whole life insurance provides the necessary funds.

Making decisions easier for family members

In addition to financial provision, personal pension provision is part of comprehensive cover. For example, a living will can make the decision much easier for family members if you are no longer able to express your wishes yourself about your own care. And an advance directive clearly states who takes responsibility if you are no longer able to do so. Clarifying the important things early on and discussing everything with your family will help with decision-making in an emergency.

Request a consultation

Comprehensive, holistic pension advice provides clarity on your individual financial cover. It helps to close gaps and to provide for the future in advance. Helvetia's advisors will help you to find your own solution for future provisions.
Get in touch with us.
We’ll be happy you to help with any questions you may have and find the right solution together with you.
Choose the way of contact.
Enter your e-mail address.
Enter your phone number.
This field is required
Optional: Upload your existing insurance policy to speed up the quotation process.
Choose file

Die Datei ist zu gross (max. 10 MB)

forms.constraintMessageMinSize

Invalid file type

Too many files selected

This field is required
Please agree to the privacy policy.
This field is required
Protected by Google reCAPTCHA Privacy - Terms