Safeguard your health insurance premium – in case your salary stops coming.
The health insurer's premium arrives every month, even when your salary does not. The premium instalment insurance covers your insured premium instalment if you become unemployed through no fault of your own or fully incapable of working and your net salary falls by at least 10 % as a result. For employees resident in Switzerland – cancellable monthly.
When the insurance pays out
Two cases are covered – in both, what counts is how far your net salary falls as a result.
- Unverschuldete Arbeitslosigkeit.
- 100 % Arbeitsunfähigkeit infolge Krankheit oder Unfall.
- In beiden Fällen gilt: Ihr ausbezahlter Nettolohn muss dadurch um mindestens 10 % sinken.
The extent and the duration of the benefits are set out in the policy terms. We go through them with you before you sign up – so that you know what you are buying.
What you can insure
You decide the monthly premium instalment that is to be covered when a claim arises.
- Versichert sind Ihre Krankenversicherungsprämien – Grundversicherung (KVG) und Zusatzversicherung (VVG).
- Die Prämien Ihrer minderjährigen Kinder im gleichen Haushalt können mitberücksichtigt werden.
- Voraussetzung sind ein Angestelltenverhältnis und Wohnsitz in der Schweiz.
- Während eines Leistungsfalls zahlen Sie auch die Prämie für diese Deckung nicht.
- Der Vertrag ist monatlich kündbar.
A monthly premium instalment between CHF 100.– and CHF 4’000.– can be insured.
What it costs
The premium is 6.6 % of the insured premium instalment sum. An example:
| Sample calculation | Amount |
|---|---|
| Insured monthly premium | CHF 400.– |
| Premium rate | 6.6 % |
| Your premium per month | CHF 26.40 |
What counts is the quote you receive from us – it is based on your actual premium instalment.
What you get out of it
- Sie erfüllen Ihre regelmässigen finanziellen Verpflichtungen weiter.
- Mehr Planungssicherheit für Ihr Budget.
- Mehr Gelassenheit bei Arbeitslosigkeit, Krankheit oder Unfall.
Frequently asked questions about premium instalment insurance
Wer kann die Ratenversicherung abschliessen?
People in employment who are resident in Switzerland.
Wann zahlt die Versicherung?
In the event of involuntary unemployment and of 100 % incapacity for work due to illness or accident – provided that your net salary paid out falls by at least 10 % as a result.
Was kostet die Deckung?
The premium rate is 6.6 % of the insured premium instalment sum. With an insured monthly premium of CHF 400.–, that comes to CHF 26.40 per month.
Wie lange bin ich gebunden?
Not long at all – the contract can be cancelled monthly.
Sind meine Kinder mitversichert?
The premiums of minor children in the same household can be included in the insured premium instalment. We work out with you what that comes to in your case.
Was ist, wenn ich bereits krank bin?
We look at that together before you sign up. What an existing illness or an ongoing incapacity for work means for your contract is governed by the policy terms – we go through them with you before you sign.
Provider and advice
The premium instalment insurance is offered by Simpego, a partner of VFR. The advice and the application go through us: we look at whether the cover suits your situation, calculate your premium instalment and go through the terms with you before you sign.