Capital accident or life insurance | Sanitas health insurance
MED_ORI_kundenberatung_DSC_8338.jpg

Accident or life insurance for greater financial security

Accident or life insurance for greater financial security

If someone becomes disabled or dies as a result of an accident or illness, there are shortfalls in provision. AHV/AVS, IV/AS and the pension fund do not provide sufficient cover against the financial consequences of disability or death. A capital (lump-sum) insurance plan supplements these benefits and offers you and your family financial security.

Your benefits with Capital

With this insurance plan, benefits are paid out quickly and easily in the event of death or disability as a result of illness or accident. You can use the invalidity or death benefit as you wish. For example, to make disability-related modifications to your home, to cover nursing care costs, to care for survivors or bridge financial shortfalls. Capital is particularly suitable for people who don’t work or who are self-employed. Four options are available:

 

  • Disability resulting from illness
  • Death resulting from illness
  • Disability resulting from accident
  • Death resulting from accident

Benefits in the event of illness

  Death Disability
Maximum insurable capital
CHF 500,000
CHF 500,000
For children
   

Up to 30 months old

CHF 2,500
CHF 250,000

Up to 14 years old

CHF 20,000
CHF 250,000
Waiting period
None
1 year from onset of disability*
Benefit paid out
Insured amount
  • Minimum degree of disability of 25%
  • Paid out pro rata for a degree of disability of up to 65%
  • Paid out in full from a degree of disability of 66%

* Analogous to disability insurance (IV/AS)

  • Capital, disability due to illness
    You can insure a lump-sum disability benefit in the event of illness of up to CHF 500,000 (up to CHF 250,000 for children). The insured capital is paid out pro rata from a disability of 25%. From a disability of 66%, the entire sum is paid out.
  • Capital, death due to illness
    You can insure a lump-sum death benefit in the event of illness of up to CHF 500,000 (CHF 2,500 for children up to 30 months of age; CHF 20,000 for children up to 14 years of age).

Benefits in the event of accident

  Death Disability
Maximum insurable capital
CHF 500,000
CHF 300,000
For children
   
Up to 30 months old
CHF 2,500
CHF 300,000

Up to 14 years old

CHF 20,000
CHF 300,000
Waiting period
None
None
Benefit paid out Insured amount
  • Disability benefit paid out pro rata for a degree of disability of up to 25%
  • Disproportionately high disability benefit paid out for a degree of disability of 26% and over as per scale, e.g. for a degree of disability of 50%: 100% of insured capital; for a degree of disability of 100%: 350% of insured capital (max. CHF 1,050,000)
  • Capital, disability due to accident
    You can insure a lump-sum disability benefit in the event of accident of up to CHF 300,000. Automatic progression applies from a disability of 26%, and guarantees payment of 350% of the insured sum in the event of a 100% disability.
  • Capital, death due to accident
    You can insure a lump-sum death benefit in the event of accident of up to CHF 500,000 (CHF 2,500 for children up to 30 months of age; CHF 20,000 for children up to 14 years of age).

You can take out insurance cover online or by phoning our customer service team. Our advisors are available from Monday to Friday, 8 am to 5 pm on 0844 150 150.

Downloads

Legal notice Publication details