A death or a sudden disability is a tragic misfortune. To ensure that you or your survivors are not also burdened with financial problems during this difficult time, it may be appropriate - after a careful needs analysis - to take out an insurance policy to cover these risks.
Lump-sum death and/or disability benefit:
Insures a lump sum death and/or disability benefit payable to beneficiaries in the event of the death of the insured person.
Insured is a disability pension that is paid in the event of disability due to illness or accident.
In the following cases, it is advisable to clarify the need for insurance to cover these risks:
You want to offer your partner or your family additional financial security
You also want to insure your mortgage
Before you take out a life insurance, get an overview of the risk benefits offered by our Pension Funds and AHV. Only then can you establish your need for additional insurance cover. In this way, you avoid double insurance cover and save on premiums. Ideally, make an appointment with a consultant from the Novartis Pension Funds.
If you have any questions or need any further advice, please do not hesitate to contact me. If it emerges from these discussions that you need any top-up insurance, please use the calculator below or contact us anytime.