Disability due to accident or illness

If 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. Insured persons are entitled to a pension from disability insurance (IV). However, the 1st pillar does not pay benefits to the life companion.
   
   
2. If you are no longer able to work to the usual extent due to an accident you will receive a benefit from UVG accident insurance. If your earning capacity is limited due to illness, you are entitled to a pension from the pension fund. However, no benefits are paid to your life companion.

Please note the following:

Should something happen to you, you will require additional insurance protection in the event of disability due to an accident or illness.

What we offer

In the event of incapacity for work, the pensions from the statutory providers are often far lower than your previous income. You can cover this shortfall with Swisscanto Safe. Thanks to this risk insurance you will obtain additional payments in the form of a pension. 

Death due to accident or illness

Risk insurance should be considered so that the life companion does not face financial difficulty in the event of the insured person's death. This is because neither AHV nor accident insurance pays benefits to the surviving partner. Pensions may be paid to life companions depending on the pension fund's regulations.

Please note the following

It is advisable to carefully check insurance protection in the event of death depending on the financial support that one would wish to provide for a partner. Please contact your pension fund in this regard. You would not want your surviving life companion to experience financial difficulties.

What we offer for your life companion

In the event of death, the pension from the statutory provider is often far lower than the deceased person's previous income. Certain pension funds do not offer any pensions at all for surviving, unmarried partners. Swisscanto Safe can flexibly close this gap as, thanks to this risk insurance, the life companion receives additional benefits in the form of capital.