Vested benefits and risk cover
Comprehensive risk cover is important in a vested benefits account to ensure you have the necessary financial security in the event of occupational disability and for your surviving dependants. In particular private individuals who want to react flexibly to changing professional or private demands benefit from individually tailored cover.
What is the best way to protect myself against risks such as disability and death?
Occupational disability insurance in Switzerland gives you financial security if health impairments make it permanently impossible for you to do your job. These insurance policies are particularly important for maintaining financial independence and protecting your standard of living if you are no longer able to do your job due to illness or accident. With an individual pension solution from PensExpert, you benefit from personalised advice and optimum cover – even when you are abroad. Clarify your needs and options with us and give yourself comprehensive security. For your and your family’s financial future.
Costs and premiums: How much does occupational disability insurance cost?
The cost of occupational disability insurance depends on several factors, including age, state of health, occupation and desired pension level. Tailor-made risk insurance enables you to maintain your standard of living and minimise financial losses if the worst happens. This also applies if you live abroad. We offer you a transparent premium structure that is tailored precisely to your needs. Our experts will help you find the right solution with the best cost-benefit ratio. Plan your financial security for the worst-case scenario and book a consultation now.
What happens in the event of occupational disability?
In the event of occupational disability, insured persons in Switzerland receive an occupational disability pension. This is designed to maintain their standard of living. This pension is an important financial support that enables you to meet your ongoing obligations and safeguard your quality of life. At PensExpert, we understand the complex rules and help you take the right steps to apply for your occupational disability pension. Our team will advise you individually and help you to obtain the best possible cover.
Death-benefit insurance: Protection of the surviving dependants
Death-benefit insurance gives you the ability to protect your surviving dependants financially if you die unexpectedly. By insuring a lump-sum death benefit or a survivors’ pension, you guarantee that your relatives will not get into financial difficulties in the event of your unexpected death. The insurance benefits can be used to cover living costs or repay a mortgage. At PensExpert, we will advise you in detail on the different options and costs of death-benefit insurance so that you can make the best possible decision for your individual situation.