Advantages
Guaranteed lump sum payment to you or your relatives in the event of disability or death
Ensures good medical cover and conversion work to privately owned homes
Can be taken out for accident or illness
Overview of benefits
- Cover for disability or death due to accident or illness
- Advantageous combinations of the sums insured for death and disability – in line with your personal insurance needs
- Payment for accident: up to CHF 300,000 in the event of death and up to CHF 1,050,000 for disability
- Payment for illness: up to CHF 100,000 in the event of death and up to CHF 300,000 for disability
- Guaranteed lump-sum payment in the event of a claim – for financial security in difficult situations
- Individual selection of beneficiaries: you determine who gets the benefits in the event of your death (e.g. spouse, children, parents)
- The amount of the premium is based on the insurance cover chosen
- Insurance can also be taken out for children; this is recommended in order to cushion lifelong additional costs
When is it worth taking out ÖKK RISK CAPITAL?
ÖKK RISK CAPITAL supplements your basic insurance and ensures that you and your family members remain financially secure even if something unexpected occurs. A serious accident or illness can completely alter your life overnight.
If you support your family to a substantial degree financially or are self-employed, it is important to have protection against the financial consequences of death or disability. With ÖKK RISK CAPITAL ACCIDENT and ÖKK RISK CAPITAL ILLNESS supplementary insurance policies, you or your survivors receive a guaranteed lump-sum benefit to secure your subsistence.
ÖKK RISK CAPITAL can be taken out in two forms: for the consequences of an accident and for the consequences of an illness.
Questions and answers (FAQ)
A serious accident or illness can mean that you and your family members suddenly face major financial challenges. With ÖKK RISK CAPITAL ACCIDENT and ÖKK RISK CAPITAL ILLNESS supplementary insurance policies, you or your survivors receive a guaranteed lump-sum benefit to secure your subsistence in the event of a claim.
This type of insurance is particularly worthwhile if you support your family to a substantial degree financially, have taken out loans or are self-employed and would like to have additional financial security.
People who become disabled as a result of an accident often have to make do with the statutory minimum pension. When somebody dies due to an accident, this can result in an acute financial emergency for their family members.
ÖKK RISK CAPITAL ACCIDENT helps to minimise these risks.
Depending on the amount of the lump sum insured, your family members will receive benefits of up to CHF 300,000 in the event of your death.
If you become disabled due to an accident, you will receive up to CHF 300,000; this figure rises to up to CHF 1,050,000 in the event of full disability.
You can find the detailed overview of benefits on the relevant information sheet.
Serious illnesses can also lead to disability or, in the worst-case scenario, death – with major financial consequences for family members.
ÖKK RISK CAPITAL ILLNESS helps to cushion these risks.
In the event of your death, your survivors will receive a lump sum of up to CHF 100,000, depending on the sum insured you have chosen.
In the event of disability due to illness, the benefits will be up to CHF 300,000.
You can find the precise overview of benefits on the relevant information sheet.
A one-off lump sum is paid out in the event of death due to illness or accident. It is not earmarked for a specific purpose, and there are no checks on what the money is used for. The capital can be used to compensate lost income or pay ongoing fixed costs, such as for your family’s subsistence or to pay off a mortgage. It can also be spent on additional costs, such as for home conversions due to disability (barrier-free living), treatments or care services.
The amount of capital required to pay off outstanding loans and ongoing costs in the event of your death depends on your personal situation. An individual consultation will help you to make a realistic calculation.
Yes. You can take out both supplementary insurance policies and will thus benefit from comprehensive insurance against the financial consequences of both accident and illness.
Do you have any questions?
We will be happy to help you if you need further information or would like to arrange a no-obligation consultation.
