Disability Insurance

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.

Inclusion with LifeRisk

The disability pension can also be taken out together with a death benefit insurance in the same contract and thus save premiums.

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
  • Tax savings from loss of earnings insurance under pillar 3a when taken out with an advisor
Fewer details
More details

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
Especially suitable for young adults, families, cohabiting couples and self-employed persons
  • Close any gaps in provisions in pillars 1 and 2 that arise for young people in particular
  • Maintain your usual standard of living thanks to a disability pension
  • 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

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.

Knowledge

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Life insurance: this is how it works

What exactly is life insurance - and when is it worthwhile? Brief answers to the most important questions.

With children, financial security is important. Without them too

Many people carry a lot of responsibility. For themselves and often for their nearest and dearest too. For that reason it is important to be well aware of your own financial situation at every stage in your life and to protect yourself in the right way.
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5 reasons for choosing term life insurance

Death changes everything in one stroke – suddenly a father, sister or husband is gone. The emotional pain is difficult enough. Why compound it with financial worries?
Frau und Mann mit Wolldecke

Marriage or common-law partnerships: Who gets the best deal?

As soon as two people are co-habiting, they are living in a common-law partnership. A couple in a common-law partnership, however, does not enjoy the same protection as a married couple. We explain why.
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Make dreams come true with good retirement provision

No matter how life plays out – a good pension plan adapts while at the same time offering security and returns with a high degree of flexibility.
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Thinking about tomorrow today

One of the biggest decisions we face is: "While enjoying my life today, how can I prepare financially for later on in life?"