For families

Family and income protection

• Zurich Junior offers long-term savings and financial security in the event of disability – either combined or as separate components.
• Disability due to accident or illness can put a strain on your finances. Zurich EmploymentRisk helps you and your family maintain your standard of living.
• People with families have special responsibilities – including providing for family members in the event of death. Protection for Relatives protects your family from unnecessary financial woes.
• If you are a homemaker, your death or disability can put an enormous financial burden on your family. Zurich’s Family Protect financially safeguards you and your family from the financial consequences of disability or death.

Wealth accumulation and investment

• Build wealth with the attractive returns offered by Premium Life and lower your tax bill at the same time. You are even free to temporarily interrupt your premium payments to savings capital – while still enjoying uninterrupted insurance coverage.
• A TIF investment fund account lets you accumulate capital constantly. You choose the investment strategy and can change it as your needs evolve.
• With Zurich CapitalFund, the unit-linked life insurance product, you are able to invest your assets in the third pillar. It also provides financial security and tax advantages for you and your family.

Accidents and health insurance

• Zurich has partnered with Sanitas to provide comprehensive health insurance solutions tailored for families.
• If your child has to stay home from nursery because of an illness or accident, our Nursery Insurance will refund your payments.
• The accident insurance rider for your car insurance protects you and your family if you are a passenger in someone else’s vehicle. It also covers individuals who ride with you.
• When pets have an accident, your family will face not only sadness, but also expensive vet bills. These costs can be covered by a pet accident rider for your contents insurance.

Vehicle

Benefit from the following family benefits with the car insurance from Zurich:

• Has your family outgrown your car? We can provide special rates for crossovers and minivans.
• If your child passes the driving test and buys his own vehicle, he can benefit from our car insurance family bonus up to the age of 25, as long as at least one of his parents already has two policies with Zurich.
• In the event of a damage, our Zurich Help Points will provide a replacement car free of charge (with child seats if requested) or arrange to pick up and return your car.

Home

Benefit from the following family benefits with the contents insurance from Zurich:

• All family members living in the same household are automatically covered – regardless of age, employment or marital status.
• During a language course at home or abroad, any items your child takes with them are also insured.
• If your child is moving into his first home, we provide attractive tariffs up to the age of 30.
• If a family member loses a house key, Zurich will arrange for immediate assistance from a locksmith or a similar service, and will pay for your locks to be changed.
• Do you employ a cleaner or a babysitter at home and, thereby, become  an employer? Protect your employees/domestic workers against accidents at work with accident insurance for domestic workers; simultaneously, fulfilling compulsory insurance obligations.

Liability and legal

• Zurich's personal liability insurance can be taken out for families, spouses and civil partners. This insurance also covers employed children living in the same household, irrespective of age.
• Personal legal expense insurance from our partner Orion will support you with legal issues. For example, it can help you settle disputes with your landlord, your employer, daycare centers and even insurers or health insurance providers.
• Motorists’ legal expense insurance from our partner Orion covers the whole family for costs arising from traffic-related disputes (incl. legal advice).

Travel

Benefit from the following family benefits with the travel insurance from Zurich:

• Did you have an accident during a vacation and have to be hospitalized? We will pay the travel expenses for a person to accompany your children as they travel back home.
• Zurich will pay the cancellation costs if you have to cancel a trip due to an accident or illness in the family.
• As part of the "Home Care Service," Zurich will arrange for contractors to respond immediately to emergencies (e.g. fire, flood or burglary) at your home or your holiday residence in Switzerland.