Disability Income Gap

Compare your income with benefits from IV and your pension fund if you become disabled.

Expected monthly benefitsCHF 4’200

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Mandatory insurance, the sensible extras and the policies that are often oversold.

IV, pension fund and daily sickness allowance: what they pay and where gaps appear.

What AHV and the pension fund pay to survivors and how to fill the rest with term cover.

Find the franchise (deductible) with the lowest total yearly cost for an adult.

At what yearly healthcare cost does a lower franchise start to pay off?

Children’s franchise options range from CHF 0 to 600; out-of-pocket is capped at CHF 350 per year.

Your worst-case cost in a year: premiums, franchise, 10 % deductible and hospital contribution.

Estimate the coverage that protects your family’s income if you die.

See how much of your salary is covered by compulsory accident insurance.