Disability insurance

Physiotherapy

Disability Insurance

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

Maintain your standard of living

In the event of a disability, you will have to get by with 30 to 40 percent less income. Would that be enough for you to live on? To ensure that you can maintain your standard of living even after an illness or accident, you need disability insurance. This pays you a pension – until you reach retirement age, depending on the term.

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.
Family

Families

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.

Your coverage for loss of earnings

With disability insurance, you receive an income even if you can no longer work due to illness or after an accident. You can thus maintain your usual standard of living.
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Knowledge

Mother and daughter doing yoga on sofa

denly disabled – what now?

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