Disability due to accident or illness

Social security benefits for children 

• Children only receive a benefit from the 1st pillar after a serious accident. These disability insurance (IV) benefits are only available for children from the age of 18 at the earliest.
• The 2nd pillar does not make provision for any benefits.
  

Social security benefits for parents

• If, as a parent, your earning ability becomes partially or completely limited as a result of ill health, you will receive benefits from various social security organisations.

Benefits from the 1st and 2nd pillars

1. As a parent, you are entitled to a child benefit for each child from disability insurance (IV). However, this only applies if your child is below the age of 18, or if your children are still in education and are not yet 25.
   
   
2. If you are no longer able to work to the usual extent due to an accident, you will not receive a pension from UVG accident insurance. If your earning capacity is limited due to illness, you are entitled to a child benefit from the pension fund for each child. However, this only applies if your child is below the age of 18, or if your children are still in education and are not yet 25.

Please note the following

Provisions for children

• It is advisable to consider whether you require additional insurance protection for your children.
  

Reduction in working hours due to parenthood

• Additional insurance protection is necessary if you, as a parent, fully or partially discontinue your employment in order to raise a child. This is because the 2nd pillar wholly or partly ceases to apply.

What we offer

Swisscanto Safe flexibly provides this additional requirement for insurance protection. Thanks to this risk insurance, you will obtain additional benefits in the form of capital should something serious happen.

Death due to accident or illness

Insurance benefits in the event of a child's death

• No benefits are provided for the surviving parents after a child's death, whether from an accident or an illness. No benefits are payable from the 1st or the 2nd pillars.
  

Insurance benefits in the event of the death of a parent

• Children receive benefits from various social security organisations after the death of a parent so that they are not left in difficult financial circumstances.

Benefits from the 1st and 2nd pillars

1. If a father or mother dies, the AHV pays an orphan's benefit for each child. However, this only applies if your child is below the age of 18, or if your child is still in education and has not yet reached the age of 25.
   
   
2. An orphan's benefit is paid for each surviving child if a parent is lost. However, this only applies if your child is below the age of 18, or if your child is still in education and is not yet 25. The orphan's benefit is paid by UVG accident insurance UVG and/or the pension fund.

Please note the following

Additional insurance protection is necessary if you, as a parent, fully or partially discontinue your employment in order to raise a child. This is because the 2nd pillar wholly or partly ceases to apply.

What we offer

Swisscanto Safe flexibly provides this additional requirement for insurance protection. Thanks to this risk insurance you will obtain additional benefits in the form of capital should something serious happen.