With a Helvetia disability pension, you get the necessary substitute income if you are unable to work as a result of a serious illness or an accident. This way, you are able to maintain your standard of living even in case of earning disability.
Tim rides his bike to work, where he has a collision with a pedestrian, who is not at fault. Fortunately no one is injured, but the pedestrian's laptop is severely damaged. In this case, Tim's private liability insurance will cover the claims of third parties and thus the costs of the damaged laptop. Helvetia offers complete and comprehensive insurance coverage and takes care of the bike liability insurance completely.
Despite great excitement about the new professional challenge, there's no guarantee you won't become involved in a dispute at your new workplace. Although Tim never dreamed something like this would happen, he has a major difference of opinion with his supervisor. He is not aware of any error on his part and now needs a specialist who can represent him in talks with the employer and if necessary even in court. With private legal protection insurance, Tim is relieved of the financial burden of such situations and thus saves time and nerves.
You are really excited about your new position and you find it hard to think about retirement right now. However, the earlier you make provisions, the better you can protect yourself for later. Provisional insurance lets you save long-term for your retirement, thereby making targeted provision for the financial independence of your dependants if anything should happen to you. We offer various solutions to cover all savings and security needs. Find out more about our provisional insurance options.
With the money he has earned, Tim is able to do many of the things he wants to. Somewhat less welcome is that moment when his tax bill lands on the doormat. However, various pension options make it possible to save taxes, for example with a tied provisional insurance policy. This is just what Tim needs.
In the tied pension provision (pillar 3a of the Swiss pension system), the contributions paid into your pension over the year can be deducted from your taxable income up to a certain maximum amount. Use the tax calculator to calculate how this affects your tax bill.