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Death or disability insurance

If someone is left disabled or dies following an illness or accident, this can lead to major financial problems. Give yourself peace of mind with death or disability insurance.

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The advantages for you

  • If you become disabled, the insured lump sum will initially cover your loss of earnings.
  • The death lump sum protects your loved ones against financial hardship.
  • Provides up to CHF 2,100,000 for disability resulting from an accident and up to CHF 600,000 for disability resulting from an illness.
  • Up to CHF 200,000 is paid out if you die.
  • You can take out cover separately for accident and illness, and insure each risk for a different amount.
  • Death or disability insurance lets you take full advantage of the enjoy365 Health Shop and the active365 rewards app.

Death or disability insurance at a glance

Nomination of beneficiaries

You are free to decide who should receive the benefits. You can change this at any time.

Tax advantages

Payouts are taxed separately from other income, at a reduced rate.

Standalone payment

You receive the money regardless of other insurance policies.

Accident or illness

Death or disability insurance is available for accident and separately for illness.

How death or disability insurance works

An accident or illness can present financial challenges. Death or disability insurance protects you and pays out the agreed lump sum, no matter what other insurance policies you have.

Help if you become disabled

The sum insured covers your loss of earnings if you become disabled and helps to fund the cost of any alterations to your home or any aids you may need to assist with daily living. The payout ensures you can undergo occupational retraining – which may be only partly covered, if at all, by statutory disability insurance.

Security if you die

If you die, those closest to you will receive a lump sum so they won’t be left with financial difficulties. Payment will be made in the event of death or disability regardless of any benefits due from other insurers.

How much does death or disability insurance cost?

There are two kinds of death or disability insurance. One covers accidents, the other illness. In both cases, premiums depend on your age and gender and the chosen sum insured.

As individual as you are

Death or disability insurance can be tailored to your preferences. There are different options for illness and accident. Choose the one that best matches you and your budget. You can always change the sum insured later.

Your premium at a glance

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Good to know about death or disability insurance

We recommend this insurance for people looking to provide themselves and others with financial peace of mind.

Free choice of beneficiaries

A beneficiary can be designated at any time by informing the insurer in writing. This is especially relevant for cohabiting partners. If no beneficiaries are nominated in writing, the insured death lump sum will be paid out in this order:

  1. Spouse or registered partner.
  2. Then, any children.
  3. If you have no children, any other statutory heirs.

No waiting periods

Accidental Death or Disability Insurance takes effect immediately. Payment will be made regardless of any benefits due from other insurers for the same risk. If assessing the degree of disability following an accident takes longer than expected, CSS may make partial payments in advance.

Worldwide cover

The insurance is valid worldwide – including when travelling and during lengthy stays abroad.

Accident-related benefits

  • Up to CHF 2,100,000 paid out in the event of disability
  • Up to CHF 200,000 paid out in the event of death
  • Progression of the disability lump sum in case of accident up to 350%

Getting an accidental disability lump sum

If disabled due to an accident, the disability lump sum paid out will depend on the impairment. The disability lump sum increases disproportionately for degrees of disability of more than 25%. This is known as ‘progression’:

  • of up to 350% for children and adults aged 60 and under
  • of up to 225% for adults aged 61 to 65

Example with sum insured of CHF 200,000

Degree of disability
Progression Amount paid out
25% 25% CHF 50,000
60% 150% CHF 300,000
100% 350% CHF 700,000

Illness-related benefits

  • Lump sum of up to CHF 600,000 in the event of disability
  • Lump sum of up to CHF 200,000 in the event of death

Getting an illness-related disability lump sum

The lump sum is paid out proportionately for degrees of disability of 25% or more. The full sum insured will be paid out for a degree of disability of 70% or more.

Example with sum insured of CHF 200,000

Degree of disability Amount paid out
20% CHF 0
40% CHF 80,000
ab 70% CHF 200,000

Frequently asked questions

You can take out the insurance as follows:

  • Accident: up to the end of the calendar year in which you turn 65.
  • Illness: up to the end of the calendar year in which you turn 55.

No. It provides this insurance in partnership with Helvetia Schweizerische Lebensversicherungsgesellschaft AG.