PREVEA Accident

Your capital insurance in the event of an accident. One moment of carelessness can change your life from one day to the next. Whether it’s a bad fall, a sports accident or a road accident, PREVEA Accident ensures you and your family are covered if the worst should happen.

  • Financial protection in the event of disability
  • Financial protection for your relatives in the event of your death
  • Choose your insured sum

Protect yourself and your family from the financial consequences of a serious accident. Children, young people in education and students are particularly exposed to financial risk because the benefits under disability insurance (DI) do not adequately cover the consequences. PREVEA Accident covers these with generous lump-sum benefits. These might include modifications at home or family support.

Insured benefits

We reimburse you for the following services under PREVEA Accident capital insurance:

In the event of disability, you receive the insured sum on a pro rata basis depending on the degree of your physical disability.

Reimbursement of costs

  • The lump-sum disability benefit is paid out in the event of disability following an accident. This is calculated based on the degree of disability scale, i.e. from CHF 10,000 up to a maximum of CHF 300,000.
  • Where the level of disability exceeds 25%, the lump-sum disability benefit will increase progressively to up to 350% of the agreed amount: max. CHF 1,050,000. You will find a table showing how compensation (lump-sum disability benefit) is calculated according to the progression in the General Insurance Conditions (GIC) under Section 13.
  • From the age of 70, you will receive the lump sum in the form of a pension, with a maximum limit on the total sum of CHF 100,000 (higher insured sums are reduced accordingly on reaching the age of 70).

In the event of death, the beneficiaries you have identified or your surviving relatives receive the insured sum.

If an insured child dies before they are 2.5 years old, the benefit is limited to CHF 2,500.

The lump-sum benefits under PREVEA Accident close gaps in insurance cover and secure your life plans even in the event of disability: for example, disabled-access modifications. 
  • Mobility: from a disability level of 40%, you will receive a cost contribution of up to a maximum of CHF 1,000 per calendar year for journeys taken by public transport or taxi in Switzerland (max. CHF 5,000 per claim).
  • Retraining costs: you will receive a cost contribution of max. 10% of the insured DI sum (without progression) for any retraining required following an accident.
  • Benefits for property damage and medical aids: for damage to property that replaces a part of the body or a bodily function, such as spectacles, dentures, hearing devices, etc., as well as for medical aids that compensate for physical damage or malfunction, PREVEA Accident will cover any costs not covered or only partially covered by compulsory health insurance.*
  • Home nursing: PREVEA Accident makes contributions to accident-related home nursing care that has been prescribed by a doctor, to the extent that such costs are not covered or are only partially covered by compulsory health insurance.*
  • Rescue, recovery, travel or transport costs: PREVEA Accident will cover any costs not covered or only partially covered by compulsory health insurance for necessary accident-related rescue and recovery costs, as well as medically necessary accident-related travel and transport costs.*
  • Transport of human remains and burial costs: you will receive the necessary costs for transporting the body to the place of burial.*
  • Premium waiver: in the event of the death or a level of disability in excess 70% of a person with an obligation to provide support, children up to the age of 18 will receive the insurance premiums.

*In accordance with the standards and rates of compulsory accident insurance.

Basic conditions

  • 0–2.5 years of age: death max. CHF 2,500, disability max. CHF 300,000 (with progression up to 350%, max. CHF 1,050,000)
  • 2.5–20 years of age: death max. CHF 20,000, disability max. CHF 300,000 (with progression up to 350%, max. CHF 1,050,000)
  • 21–70 years of age: death max. CHF 300,000, disability max. CHF 300,000 (with progression up to 350%, max. CHF 1,050,000)
  • Over 71 years of age: death max. CHF 20,000, disability max. CHF 100,000. Existing insurances will be reduced accordingly (without progression).

The following are excluded from the insurance: suicide or self-inflicted injury or illness caused intentionally by the insured person or while in a state of intentional total or partial incapacity.

How PREVEA Accident works

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Frequently asked questions

Accidents resulting in disability or death often give rise to high uncovered costs – e.g. for professional integration measures, modifications to your house or apartment or ensuring family or household support.

 

We recommend capital insurance for people with no or insufficient cover from an occupational pension (pension fund). This applies in particular to:

 

Children and young people

  • If your child becomes disabled following an accident, health insurance will pay for treatments under basic insurance. After that, the child is entitled to care premiums and a helplessness allowance under disability insurance (DI). These amounts are relatively modest and only cover the costs to a limited extent. 
  • The DI pension will not be paid out until the age of 18. The pension amount generally ensures subsistence minimum. Entitlement to a full disability pension starts from a disability level of 70%. This pension equates to a maximum of CHF 28,680 per year (CHF 2,390 per month; status as at 2021).

 

Students

Students earn little while training or studying for a degree. As such, they receive only a minimal pension under the first pillar (disability insurance) and, at best, the second pillar (pension fund) if they become disabled – and that up until they retire.

 

Unemployed individuals or part-time workers

They receive minimal protection from social insurance.

 

Self-employed individuals and employees

They can cover existing insurance gaps with a capital insurance policy.

 

You decide how to spend the money paid out:

  • In the event of disability: on additional medical measures, professional integration measures or modifications to your house or apartment, for example.
  • In the event of death: on ensuring family care and household help, or on paying uncovered costs that may arise as a result of death, for instance.

  • The generous lump-sum benefit eases the burden on you and your family in the event of disability or death.
  • You can choose different insured sums for disability and death, rising in increments of CHF 10,000.
  • You receive the lump sum independently of any benefits paid out under other insurance policies.
  • You make no long-term commitment and can cancel the policy at any time by giving three months’ notice – without financial penalty.

You will be paid out more than you are insured for according to your level of disability. For instance, where the disability level is 100%, the selected insured sum is more than tripled. You will find a table showing how compensation (lump-sum disability benefit) is calculated according to the progression in the General Insurance Conditions (GIC) under Section 13.

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Other supplementary insurance

The following supplementary insurance policies may also interest you:

  • PREVEA Illness

    Insurance in the event of death or disability following an illness.

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