Lump-sum insurance at a glance
Visana offers you financial protection in the event of death or invalidity. With freely selectable amounts, and one-off payouts regardless of any other insurance plans, you can address specific gaps in your cover.
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Financial protection in the event of death or invalidity due to accident or illness
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Freely selectable amounts, paid out upon hospitalisation
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Payout occurs regardless of other insurance policies
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After the one-off payout, the money is yours to use as you see fit
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Comprehensive cover with attractive prices
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Closes gaps in existing cover
Our insurance solutions
Be it illness or accident – when critical situations arise, our lump-sum insurance gives you financial security. Choose the solution to suit your personal situation.
Our lump-sum insurance for death or invalidity due to illness (LDI/KTI) protects you and your family from the financial consequences of serious illness. It allows you to maintain the usual standard of living – for yourself in the event of invalidity or for your dependants in the event of your death.
The insurance can be taken out until the age of 55 is reached. Thereafter, the insured sum paid out decreases by 20% annually. The insurance expires when the age of 60 is reached.
Note: This product can only be taken out in combination with the following types of insurance:
- Basic health insurance
- Basic top-up insurance package
- Hospital insurance
- Top-up for accident-related medical costs
- Support and pension solution
Benefits and insured sums
The amount to be paid out is freely selectable in each model. You can choose one of five models:
| Lump-sum invalidity benefit | Lump-sum death benefit | Monthly premium | |
|---|---|---|---|
| Children under 18 | |||
| Model 1 | CHF 100,000 | CHF 10,000 | CHF 2.80 |
| Model 2 | CHF 200,000 | CHF 10,000 | CHF 4.80 |
| Adults from 19 to 55 | Premiums are based on gender and current age | ||
| Model 1 | CHF 100,000 | CHF 10,000 | CHF 42.70* |
| Model 2 | CHF 200,000 | CHF 10,000 | CHF 82.70* |
| Model 3 | CHF 100,000 | CHF 50,000 | CHF 53.50* |
| Model 4 | CHF 200,000 | CHF 50,000 | CHF 93.50* |
| Model 5 | CHF 200,000 | CHF 100,000 | CHF 107* |
*Example premium for a female person aged 48
Family discount
You get a 50% discount on Visana top-up insurance premiums for the second child and every additional child in your family who is insured with Visana. This discount is granted until your child turns 18.
Information on cost coverage
In the event of invalidity due to illness
If illness suffered by the insured person leads to invalidity, the portion of the insured sum that we pay depends on the degree of invalidity:
- Degree of invalidity from 40% to 70%: The same percentage of the insured sum is paid out.
- Degree of invalidity 70% or higher: The full insured sum is paid out.
In the event of death due to illness
If the insured person dies as a result of illness, we pay the sum insured for the event of death to those entitled to it, regardless of any other insurance that may be in place.
Our lump-sum accident insurance (LAI/TUP) guarantees you financial security in the event of death or invalidity resulting from an accident. It offers a high level of security for a low premium and covers all accidents in everyday life – including car, motorcycle and aeroplane accidents.
The insurance can be taken out until the age of 65 is reached. It remains in place at a reduced level after retirement.
Note: This product can only be taken out in combination with the following Visana insurance products:
- Basic health insurance
- Basic top-up insurance
- Outpatient, Complementary and hospital insurance (all three must be taken out)
- Daily allowance insurance
- Top-up for accident-related medical costs
- Support and pension solution
Benefits and insured sums
Insurance can be taken out separately for the event of death and for the event of invalidity. However, it makes sense to insure both benefits together. The following combinations can be chosen:
| Combination of amounts | Monthly premium | ||
|---|---|---|---|
| Death | Invalidity | ||
| Children aged 0 to 30 months | CHF 2,500 | CHF 200,000 | CHF 4 |
| Children/youths from 2.5 to 18 years old | CHF 10,000 | CHF 200,000 | CHF 4 |
| CHF 20,000 | CHF 300,000 | CHF 6 | |
| Adults aged 19 to 65 | CHF 20,000 | CHF 100,000 | CHF 5.80 |
| CHF 50,000 | CHF 100,000 | CHF 7 | |
| CHF 50,000 | CHF 150,000 | CHF 9.50 | |
| CHF 50,000 | CHF 200,000 | CHF 12 | |
| CHF 300,000 | CHF 300,000 | CHF 27 | |
Family discount
You get a 50% discount on Visana top-up insurance premiums for the second child and every additional child in your family who is insured with Visana. This discount is granted until your child turns 18.
Information on cost coverage
In the event of invalidity after an accident
If an accident suffered by the insured person leads to invalidity, the portion of the insured sum that we pay depends on the degree of invalidity. Invalidity benefits are insured with progression up to 350%.
Example: If the degree of invalidity is 100% and the insured sum is CHF 100,000, we pay CHF 350,000 in compensation.
In the event of death after an accident
If the insured person dies as a result of an accident, we pay the sum insured for the event of death to those entitled to it, regardless of any other insurance that may be in place.
For whom is Visana lump-sum insurance suitable?
We recommend illness or accident lump-sum insurance for people with little or no cover from social insurance. Such persons include:
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children and youths
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students
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people who are not in employment, such as homemakers
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self-employed people
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employees wishing to close gaps in their existing cover
How lump-sum insurance works
For you to receive the insured benefits, the procedure is as follows:
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You report invalidity or death by using our simple online application.
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We carefully examine the submitted documents and assess entitlement to benefits.
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In cases of invalidity, the insured sum is paid out to you as soon as the degree of permanent invalidity can be determined. In cases of death, the survivors of the deceased receive the insured sum.
Your advantages with lump-sum insurance from Visana
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Closes gaps not covered by your occupational pension fund
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Freely selectable sums for the event of invalidity or death
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Free choice of beneficiaries, regardless of regulations on the order of succession
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Benefits are paid regardless of other insurance
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Worldwide cover
We will gladly take the time to give you a completely non-binding explanation of the advantages of our lump-sum insurance.
Useful services for you
Smart insurance for all-round care. These services assist you:
If you have taken out lump-sum insurance with us and suffered an accident that has caused invalidity, we wish to help you quickly and efficiently, and pay you the insured sum.
You can easily upload invoices and reimbursement receipts via the myVisana app or myVisana customer portal.
Insurance that complements this product
Frequently asked questions about lump-sum insurance
Lump-sum insurance is a sensible complement to other types of insurance in order to cover the financial risks in the event of death or invalidity due to illness or accident. Lump-sum insurance therefore provides financial cover for your family, or for you, if the benefits available under your other insurance are insufficient.
The insurance is suitable for people with little or no cover from other insurance. This includes, in particular, children, young people, students or unemployed persons. Self-employed persons and people in employment may also wish to close any existing cover gaps in their occupational pension funds.
It makes sense getting lump-sum insurance with a health insurance fund in order to close any gaps in financial cover in the event of death or invalidity. It operates as an optimal supplement to the benefits under existing insurance policies and protects both you and your family.
- You can take out lump-sum insurance for illness up to the age of 55.
- You can take out lump-sum insurance for accidents up to the age of 65.
Yes, lump-sum insurance can be regarded as a form of life insurance. After taking out the insurance, you pay an annual premium, and in return the policy protects you against the financial consequences of accident or illness.
The lump-sum invalidity benefit is paid out after the respective decision by the social invalidity insurance and is based on the degree of invalidity determined. The insured lump-sum death benefit is paid out after the death of the insured person.
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