Disability Insurance

Disability insurance: secure your income in the event of accident or illness

If you are unable to work following an accident or illness, there can be dire financial consequences. Zurich EmploymentRisk lets you secure your income in the event of disability – allowing you and your family to maintain your standard of living.

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Full pension

You will receive your full pension starting from a 66.6% disability.

Benefits

In the event of disability following illness, Zurich will pay regardless of any benefits from third parties.

Health questions

Quick and simple: An annual disability pension of up to CHF 18,000 requires you to only answer a few questions regarding your health.

BENEFITS AT A GLANCE

Financial security in the event of disability due to illness and, as an option, after an accident
Disability pension safeguards your income and closes gaps in pillar 1 and 2 provisions
Maintain a standard of living – for you and your family

You specify your own premium according to your needs and abilities
Zurich continues to pay your premium if you suffer a loss of income
Save tax by taking out disability income insurance as part of pillar 3a

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Fewer details

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In Detail

With the disability insurance Zurich EmploymentRisk , you can rest easy knowing that your financial obligations will be met if you are unable to work. Disability income insurance safeguards your income and your usual standard of living, and provides effectively for your family.

At a glance

For everybody

Your coverage by loss of earnings: protect your income in the event of disability
Flexible pension solution adapted to your needs and abilities
Zurich pays your premiums if you become disabled
Tax savings: disability insurance is subject to tax relief as part of pillar 3a

For young adults

Close any gaps in provisions in pillars 1 and 2 that arise for young people in particular

For families and cohabiting couples

Maintain your usual standard of living thanks to a disability pension

Self-employed individuals

Disability income insurance lets you close any gaps in retirement savings if you are not a member of a pension fund or do not have accident insurance

Good to know

Conventional illness compensation insurance pays a daily allowance, usually for a maximum of 730 days, but with Zurich disability insurance these payments continue until you reach retirement age
This insurance is effective in the event of disability as a result of illness; you can also choose to include the consequences of accidents
The minimum insurable disability pension is CHF 6,000 per year; the minimum term is 3 years

After a waiting period, Zurich will cover your regular premium costs if you become disabled
Any surplus participation will be deducted directly from the premium

401,501

People drew benefits from the (IV) Disability insurance system during 2017 (5.86% of the insured)

1,476

CHF is the average disability-pension from the 1st pillar in Switzerland

91%

of all disability cases who draws benefit from the disability pension do so as a result of illness. Only 9% from the cases are as a result from an accident