Capital (lump-sum) insurance for greater financial security

Capital

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 the 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

Capital, death due to illness

You can insure a lump-sum death benefit in the event of illness of up to CHF 200,000 (CHF 2,500 for children up to 30 months of age; CHF 20,000 for children up to 14 years of age).

Many of our insurance plans can be taken out online. Would you prefer to speak to someone from Sanitas customer service? Then give us a call on 0800 22 88 44 between 9 am and 8 pm, Monday to Friday.

Capital, disability due to illness

You can insure a lump-sum disability benefit in the event of illness of up to CHF 200,000 (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.

Benefits in the event of accident

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).

Many of our insurance plans can be taken out online. Would you prefer to speak to someone from Sanitas customer service? Then give us a call on 0800 22 88 44 between 9 am and 8 pm, Monday to Friday.

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.

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Basic insurance
Choose a basic insurance model that meets your needs:
  • Five models for basic insurance
  • Free choice of doctors, telemedicine, family doctor or HMO practice
  • Premium discount of up to 15%
To the models
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Supplementary insurance plans
Supplement basic insurance benefits
  • Cover costs that exceed basic insurance
  • Money towards additional treatments such as alternative medicine
  • Contributions towards preventive care such as check-ups
Supplementary insurance
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Supplementary hospital insurance plans
Choose a hospital ward
  • General, semiprivate or private
  • Free choice of doctors and hospitals in Switzerland and abroad
  • Greater flexibility thanks to Hospital Upgrade
Hospital insurance