Disability insurance


Disability Insurance

With Zurich EmploymentRisk, you secure your income in the event that you become unfit for work due to illness or an accident. 

Good reasons for having disability income insurance

If you become disabled, you will have to make do with 30 to 40 percent less salary. Would that be enough for you to live on?

More than 80 percent of cases are due to illness

Illnesses are the most common cause of disability. Unfortunately, most people are not sufficiently protected against the financial consequences of a disability resulting from illness. This is because the benefits provided by the 1st and 2nd pillars are often insufficient in the event of a prolonged or permanent loss of income.

Pension secured until retirement

Daily sickness benefits insurance pays out daily sickness benefits for a maximum of 730 days. With Zurich's disability insurance, however, your income is secure right through to your regular retirement.


For young and old

Disability insurance is worthwhile for anyone and everyone, be they old or young, employed or self-employed, working in an office or in the great outdoors. After all, it's not just physical ailments that lead to disability, but mental illnesses too.

Important for all

Unfortunately, an illness or an accident can affect anyone and everyone. It is therefore important to protect yourself from the financial consequences of a disability.


Be it paid work or looking after the kids: Mothers and fathers run the risk of being out of action for prolonged periods – both at home and at work – in the event of an illness or accident. That's why both parties should take out good insurance.

Unmarried couple

(Un)married couples

Are you married or cohabiting? Do you have your own home with a mortgage? Does one of you work part-time or not at all? These factors influence your pension situation as well as how much money you need.

Company founder

Freelancers or company owners

Freelancers or company owners generally don't belong to a pension fund. That means that you don't get any pension from the 2nd pillar in the event of a disability. Make sure you're covered in case something happens to you.

Insurance benefits

  • You will receive your full pension in the event of a disability of 66.6 percent or more. In addition, you no longer have to pay the insurance premiums in the event of disability. We'll take care of that for you.
  • You can also take out disability insurance together with savings insurance or other risk insurance. That way, you benefit from a lower premium.
  • You can also take out the premium for disability insurance as part of pillar 3a. In this case, you can deduct the premiums from your taxable income up to the maximum amount.
  • The minimum insurable disability pension is CHF 6,000 per year. The minimum term is three years.
  • The insurance generally applies in the event of disability resulting from illness. Consequences of an accident can also be included as an option.
  • We let you share in our success: You pay lower premiums if we achieve greater profits than expected (participation in surpluses).

Information and frequently asked questions about disability income insurance

FAQ Downloads

Further products and services

Men from several generations plant a tree together.

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.

Man and women

Intelligent Pension Planning

Financial protection for yourself and your family in the event of death or disability.

father and daughter

Children′s insurance

With Zurich Junior, you protect your child from the financial consequences of disability – and build up savings to ensure a successful start in adult life.

A girl playing on a meadow.

Protection for your child

Accident insurance for children offers security for parents, grandparents and guardians. You receive financial support after a serious accident.

A father and son laughing together.

Optimum protection

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

Guide to retirement provision and investing

Mother and daughter doing yoga on sofa

denly disabled – what now?

In the case of disability due to illness financial losses of 30 to 40% of your previous income are nothing unusual. This doesn't have to be the case.
Mother playing with her child

Zurich is committed to helping people with brain injuries

FRAGILE Suisse helps people with brain injuries get back to everyday life – and this important work is supported by Zurich.
Woman, man and piggy bank

Make your retirement provision a priority!

The money from the 2nd pillar, the pension fund, is often the largest component of your income in old age. To ensure good protection, each and every one of us should know as precisely as possible how much money will flow from which pillar. This enables us to plan for the future and close any gaps.
Two women look at a document

Good retirement provision for part-time employment too

Children or career? Today, both are possible – the world has become far more flexible and part-time employment far more widespread.
Marriage or common-law partnerships

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.