For families

  • Shared apartment

    Our apartment is fully furnished. Does our insurance cover everything?

    Do we each need a separate liability insurance policy?

    Living on my own costs a lot. How can I save money?

    Do I need an attorney to determine who is at fault after a collision?

  • Getting married

    Who pays if the wedding falls through?

    Is it true that we will have to pay more in taxes once we are married?

    Is my spouse protected if something happens to me?

    We had to save up a long time to afford our wedding rings. Are they insured, too?

    Does it make sense to start saving for retirement now?

  • Pregnancy and birth

    Is our child insured against disability?

    Can we take out health insurance for our child before birth?

    We're not married. How can I still provide for my partner and our child?

    How do I invest capital for my child?

  • Toddler

    What happens if I can no longer care for my child?

    Orthodontic care can be costly. Who pays for it?

    If my child has to be hospitalized, can I spend the night at the hospital without having to pay extra?

  • New home

    Is our new home adequately covered?

    Is our home at risk if something happens to one of us?

    What is the biggest threat to our home?

    Is our home insured during construction?

  • Our family is growing

    Are our children insured against accidents?

    Are my belongings insured if I am robbed while away from home?

  • Our child is growing up

    Is our child's new bike insured against theft?

    I value good money skills. How can I teach my child about saving money?

    What if someone else gets hurt because of our child's biking, skateboarding, etc.?

  • The rule of thumb is to take out contents insurance if the value of your household goods exceeds CHF 10,000. It covers any damages to your own furnishings and any consequential costs caused by fire or other perils.

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  • When you move in with your partner, it makes sense to replace your separate personal liability policies with a joint family or domestic partnership policy. This avoids redundant coverage.

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  • One good way to save money is to lower your taxes with a 3a pension solution: you can deduct all annual contributions from your taxable income. In the process, you will be building up capital and setting aside money for retirement.

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  • Your car insurance covers the financial consequences of any damage you inflict on other drivers, but not the costs of disputes. Drivers' legal protection insurance, however, will protect you in legal proceedings aimed at assigning fault.

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  • Swiss couples spend an average of around CHF 25,000 on their wedding. No matter how perfect the preparations, though, something unforeseen may happen and require the wedding to be postponed. Zurich wedding insurance protects you from the financial consequences.

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  • Married couples in gainful employment pay more in taxes than domestic partners with the same income. To combat this, you can sign up for a 3a pension solution since you can deduct annual contributions from your taxable income. At the same time, you will be building up capital and setting aside money for retirement.

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  • An endowment insurance policy protects your family in case of disability or death. It also helps you save for retirement by accumulating capital.

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  • Jewelry is usually only insured up to a certain amount, regardless of your sum insured. Insurance of valuables may be a good idea since it insures the full value of your jewelry and offers an additional coverage against damage or loss.

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  • With an investment plan, you can jointly build up capital so you can maintain your standard of living after retirement. You can also withdraw the funds if you want to fulfill an expensive wish of your own, such as owning a home.

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  • One-third of all disabled persons in Switzerland are children. Disability pensions for early disabled persons are not paid until the individual turns 18. It makes thus sense to think about an additional protection for your children.

  • Unfortunately, one of ten babies is born in less than perfect health. You can prevent serious gaps in your coverage by taking out health insurance before birth. That way, the insurance will unconditionally cover pre-existing illnesses or congenital disorders.

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  • Pension planning for unmarried couples harbors risks – especially for the person who will be working less. In addition, the primary breadwinner has to shoulder more financial obligations, which increases the risk for the family in case of an accident or illness. Disability insurance gives your family financial security.

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  • With an insurance savings plan, you can invest in your child's future from the start – and protect him or her from the financial consequences of disability. And if you include a premium waiver, you can still reach your child's savings target even if something were to happen to you.

  • If you are a homemaker, your disability or death can put an enormous financial burden on your family: in many cases, you will only qualify for the minimum disability benefits if you haven't taken out additional private insurance. You can effectively protect your family by taking out risk insurance to cover financial shortfalls in the event of death or disability.

  • Around half of all minors require dental braces, which tend to be very expensive. If you take out additional insurance early on, you can protect yourself from the high cost of orthodontic treatment. If you wait too long, you may be denied coverage completely or only receive coverage with certain exclusions since the risk of crooked teeth rises with the age of the child.

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  • Hospitalization can be a frightening experience for children. If you stay with your child overnight, you will have to pay for the additional costs yourself – unless you have taken out a corresponding health insurance rider.

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  • Buildings insurance is mandatory in almost every Swiss canton. The only exceptions are the "GUSTAVO" cantons: Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden, Valais and Obwalden. In these cantons, you have to take the initiative in obtaining buildings insurance to cover damage caused by fire and natural hazards. Water damage is treated differently depending on the canton. No matter where your home is located, you should always check your insurance to find out exactly what is covered.

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  • If a spouse has a fatal accident, ongoing home costs can easily exceed all the benefits paid by AHV, pension funds and accident insurance. An intelligent insurance solution, however, can protect your family from financial shortfalls.

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  • Storms cause over CHF 300 million in damage in Switzerland every year, mainly due to flooding. It makes sense to check if your home is located in a flood zone so you can take precautions if needed. Zurich's exclusive Natural Hazard Radar lets you assess your personal risk situation free of charge.

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  • Buildings insurance covers any damage to your home due to fire or natural hazards. Supplemental construction insurance covers damage sustained during construction, from sub-surface water running into the excavation pit to general water damage to theft from the construction site.

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  • Children, unlike employees, are not covered under obligatory accident insurance, so accident coverage must be included with their health insurance. This will cover medical expenses after an accident. If, however, the accident has long-term consequences such as disability or death, you may end up with coverage gaps that you can fill by taking out personal accident insurance for children.

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  • Simple theft – theft without the use of force – that occurs outside the home is not part of the basic coverage provided by most insurance policies. If you regularly leave your home with valuable items such as a smartphone or tablet, you should take out additional coverage for simple theft outside the home.

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  • Regular home contents insurance often doesn't cover expensive bicycles because the standard coverage for simple theft outside the home is CHF 2,000. Zurich Bike Insurance covers bikes worth up to CHF 8,000 as well as any damage caused in a crash or similar situations.

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  • The Swiss Federal Statistical Office states that almost 25% of young adults have taken out a loan. That underscores the importance of teaching sound financial skills at an early age. One useful tool is a flexible fund account into which part of your child's trainee wages are deposited regularly.

  • At the age of about seven, your child will be considered capable of making judgments and can therefore be held liable for damage and injuries inflicted on another person. This can run into the millions in extreme cases. Different family policies have different rules on the maximum age of coverage for children. By the time your child turns 18, however, you should check your insurance and, if necessary, take out a separate policy for your child.

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For families

All-round protection for your family from Zurich

It isn’t easy to get perfect protection for your family. Rely on the experience of Zurich’s experts and let our flexible products and simple processes give you more time for what you truly love: your family.

Get advice from our experts.

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.

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.
  • 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.

Your consultation

Zurich fully protects your family from risks. We would be glad to advise you.

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