Disability Insurance

Full pension

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


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.


  • 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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More details

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
People drew benefits from the (IV) Disability insurance system during 2017 (5.86% of the insured)
CHF is the average disability-pension from the 1st pillar in Switzerland
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

Our advisory service

Individual analysis of your needs and abilities forms the basis for optimum financial protection. We would be glad to advise you.
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Optimum protection

Accident insurance, as an add-on to your mandatory insurance, gives you optimum protection at home and in your leisure time.

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Retirement Plan

Do you want to have an additional regular source of income after retirement and to profit from your assets for as long as possible? You can do both with the Zurich Invest Payment Plan.

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Term life insurance

If you have special responsibilities, for example in your family or as an entrepreneur, you should provide financial security in the event of death.