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.Calculate premium
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.
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.
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.
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.
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.
We recommend this insurance for people looking to provide themselves and others with financial peace of mind.
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:
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.
The insurance is valid worldwide – including when travelling and during lengthy stays abroad.
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’:
Degree of disability
|Amount paid out
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.
|Degree of disability
|Amount paid out
You can take out the insurance as follows:
No. It provides this insurance in partnership with Helvetia Schweizerische Lebensversicherungsgesellschaft AG.