In a world full of uncertainties, disability insurance in Switzerland provides essential financial security if you are no longer able to work due to illness or accident. HELVETICA OPTIMUM, as your independent insurance broker, understands the importance of this protection and offers customized solutions to secure your financial future.

Importance of disability insurance

Disability insurance provides you with an income if you are no longer able to carry out your profession or another activity due to a physical or mental impairment. This insurance cover is particularly important as it helps to maintain your standard of living and that of your family if you are no longer able to work yourself.

What does disability insurance cover?

Income replacement

Provides a regular income that replaces part of your previous salary if you become unable to work.

Rehabilitation services

Supports rehabilitation measures aimed at restoring your ability to work, if possible.

Adaptable policies

Adapts to your individual needs and your professional life, with various cover options and sums insured.

Additional options and benefits

Many disability insurance policies offer additional options and benefits tailored to specific needs, such as:

• Premium exemption: The premiums for the savings capital are paid by the insurance company in the event of disability.
• Flexible pension start times: You can choose after which waiting period you want your pension payments to start, depending on your personal and financial circumstances.
• Adjustment to inflation: Some policies offer a dynamic adjustment of the pension amount to keep pace with inflation.

Choosing the right cover

Choosing the right cover and the right sum insured is crucial to ensure that you are adequately protected in the event of disability. HELVETICA OPTIMUM helps you to find cover that meets your specific requirements.

Why HELVETICA OPTIMUM?

As an independent insurance broker, HELVETICA OPTIMUM offers access to the best disability insurance policies on the market. We understand the individual needs of our clients and offer personalized advice to find the optimal insurance solution. Our experts work closely with you to ensure that you and your family are financially protected in the event of an unforeseen loss of work.