Income protection insurance

Income protection insurance guarantees you an income. It pays out if you are unable to work due to illness or injury. You choose between indemnity and fixed-sum insurance, and have a say in the amount and start date of the daily allowance.

Request a quotation

Find out what income protection insurance will cost you.

Request a quotation

Income protection insurance in a nutshell

Income protection insurance (also known as loss of earnings insurance) pays a daily allowance if you are unable to work due to illness or injury. You choose how much and when it should start.

Guaranteed income:
income protection insurance pays a daily allowance if you are unable to work due to illness or injury.
Flexible choice:
you determine the daily allowance amount and length of the waiting period – your premiums will be calculated based on this.
Your choice:
you have 2 models to choose between.
Indemnity model:
supplements benefits from your employer. You submit receipts when claiming any costs not covered by your employee.
Fixed sum model:
no evidence required – ideal for self-employed persons or anyone managing a household.
Special benefit for mothers:
receive a daily allowance for 20 days after the birth.

For greater financial security: term life insurance pays a cash lump sum in the event of death or disability. You or your dependants are free to choose how to spend this money.

What the insurance covers

Income protection insurance protects your income should you fall ill or have an accident. You choose the model, daily allowance amount and waiting period you require.

Indemnity insurance model
Ideal for employees: receive a daily allowance corresponding to the amount of your lost earnings.

The amount will be calculated based on your wage before the illness or accident.
Fixed-sum insurance model
Ideal for self-employed persons: you receive a fixed daily allowance irrespective of specific lost earnings.

This variant is also suitable for people who manage a household. The maximum daily allowance with this option is CHF 100.
Daily allowance amount and length of waiting period
You determine your daily allowance amount and the waiting period.

Whether you choose indemnity or fixed-sum insurance, you decide on your daily allowance amount – up to a maximum of CHF 600 per day.

You also choose a waiting period of between 2 days and one year. The shorter the waiting period and higher the daily allowance covered, the higher the premium.

Useful documents

General insurance conditions for supplementary insurance plans under the Insurance Policies Act (IPA) (PDF)Special conditions for income protection insurance (PDF)

Frequently asked questions

Which waiting period should I choose?

For employees, this will depend on how long your employer pays your full salary in the event of illness or an accident – and how long you can manage with less money than usual.

Self-employed persons and people without a fixed salary should consider how long they can continue without an income.

The longer the waiting period, the lower the premium. You can choose between: 2, 7, 14, 21, 30, 60, 90, 120, 150, 180, 270 and 360 days.

Contact us for advice

Our team is available Monday to Thursday, 8:00 to 12:00 and 13:30 to 17:00, Friday from 08:00 to 12:00 and 13:30 to 16:00. On request, we can also offer you a consultation at a pre-arranged time and date, for example during your lunch break.