Protect yourself against inability to earn A must for every newcomer

"I've got a job in Switzerland and am taking my family with me. How can I protect myself in case I'm unable to work?"

Do you know what your income will be if you become disabled as a result of illness or accident? 

As a foreign resident in Switzerland, in the case of disability as a result of illness, benefits paid will be significantly reduced because of missing years in your contributions. 

Find out how you can protect yourself and your family against inability to earn.   

The inability to earn resulting from an accident or illness: a significant difference

In the case of inability to earn resulting from an accident, benefits from disability insurance (IV/AI), accident insurance (UV/AA) and the pension fund may be claimed. These usually cover at least 80% of your annual income, up to a maximum of CHF 148,200.


Set up insurances

Daniel Ahmeti and his team of professional insurance advisers at Helvetia are here to offer comprehensive insurance advice tailored to the needs of international people living in Switzerland.


Newcomers to Switzerland should protect themselves against inability to earn

Many newcomers – but also HR managers – do not realize that cover in the first few years is relatively modest, particularly in the case of inability to earn resulting from illness.

In these cases only the disability insurance and the pension fund would pay a pension. And in the first year of employment the employer is only obliged to continue paying a salary for three weeks.

For this reason several employers take out collective daily benefits insurance for their employees so that in the event of illness at least 80% of the salary will continue to be paid for two years.

After that, newcomers are entitled to only a minimum disability pension and benefits from the pension fund.

However, as several pension funds make their benefits dependent on the saved capital, this pension is usually not enough to cover ongoing costs.

Helvetia advisors recommend that their customers obtain information from their HR office about benefits in case of inability to earn. With this information Helvetia can then estimate the additional need for benefits and offer the most suitable insurance solution.

This type of solution also includes partners who look after the family as their main role.

Comprehensive range

Helvetia Insurance has been one of Switzerland's leading insurance companies for over 150 years. Helvetia offers customized solutions for a wide variety of insurance needs including private pensions or occupational benefits, indemnity insurance and mortgages.

Author: Helvetia Insurance

Helvetia offers an extensive product range for immigrants and covers all insurance requirements. You can rely on our in-depth expertise and personal service in any situation and for a wide variety of topics. Visit our website for more information and to get in touch with one of our advisers.

provided by

Take control of your relocation

Free guidance and support lets you take control of your own relocation.

Order extra support easily if you need it.

» Browse our Relocation Store

Featured Partners Thanks to all supporting partners of Hello Switzerland