New: full cover even with a pre-existing condition
Capital lump-sum insurance

More protection for you and your loved ones

Lump-sum insurance: Capital

At your side in difficult circumstances: easing the financial pressure in the event of death or disability due to accident or illness.

The main benefits

Financial assistance

We provide straightforward financial support in the event of death or invalidity.

Maximum freedom of choice

We guarantee that you can use the disability or death benefit as you wish.

Constant peace of mind

You receive permanent insurance cover for work and leisure.

Who is Capital suitable for?

Capital is particularly suitable for anyone who wants to protect their family, is self-employed or wants more financial security in difficult circumstances.

Why Capital lump-sum insurance makes sense

Anyone who becomes disabled as a result of an accident or illness often has to accept financial losses. If the mother or father dies, this can jeopardise the financial security of the surviving dependants. The AHV/AVS, IV/AS, accident insurance and pension fund may provide financial support. However, these benefits do not match the previous wage level. The Capital lump-sum insurance supplements these benefits and provides greater financial security.

  • Free use of capital

    You can use the lump-sum disability or death benefit as you wish. For example, to make disability-related modifications to your home, to cover nursing care costs, to care for survivors or bridge financial shortfalls. 

  • Insurance cover in the event of illness or accident

    You can insure yourself against death or disability due to illness or accident. Choose from one of these four options or combine them with each other:

    • Disability due to illness
    • Death due to illness
    • Disability due to accident
    • Death due to accident

Full cover even with a pre-existing condition

With the individual premium supplement, Sanitas is the first health insurer in Switzerland to offer many people with pre-existing health conditions or consequences of accidents the option to take out supplementary insurance with full cover.

Benefits in the event of death and disability due to illness

Capital, death due to illness

Death
Capital, disability due to illness

Disability
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Maximum insurable capital

CHF 200'000.–

CHF 200'000.–

For children
Up to 30 months old

CHF 2500.–

CHF 250'000.–

Up to 14 years old

CHF 20'000.–

CHF 250'000.–

Waiting period

None

1 year from onset of disability (Analogous to disability insurance (IV/AS))

Benefit paid out

Insured amount
  • Minimum degree of disability of 25%
  • Paid out pro rata for a degree of disability of up to 65%
  • Paid out in full from a degree of disability of 66%

The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas. 

Benefits in the event of death and disability due to accident

Capital, death due to accident

Death
Capital, disability due to accident

Disability
Calculate premium Calculate premium
Maximum insurable capital

CHF 500'000.–

CHF 300'000.–

For children
Up to 30 months old

CHF 2500.–

CHF 300'000.–

Up to 14 years old

CHF 20'000.–

CHF 300'000.–

Waiting period

None

None

Benefit paid out

Insured amount
  • Disability benefit paid out pro rata for a degree of disability of up to 25%
  • Disproportionately high disability benefit paid out for a degree of disability of 26% and over as per scale, e.g. for a degree of disability of 50%: 100% of insured capital; for a degree of disability of 100%: 350% of insured capital (max. CHF 1,050,000)

The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas. 

Downloads

  • Capital product sheet
  • Capital supplementary terms
  • General terms of insurance for all supplementary insurance plans

Frequently asked questions

  • Up to what age can I take out Capital lump-sum insurance?

    Capital death due to accident and Capital disability due to accident can be taken out until the end of the year in which the insured person turns 65. 

    Capital death due to illness and Capital disability due to illness can be taken out until the end of the year in which the insured person turns 55.

  • Does the Capital lump-sum insurance pay for hospitalisation?

    If you are hospitalised for treatment, you are not entitled to the insured lump-sum disability benefit. You can only make this claim if you are likely to be permanently disabled as a result of an accident or illness.

  • Which surviving dependants receive the lump-sum death benefit?

    The surviving spouse or registered partner receives the lump-sum death benefit first. Subsequently, direct descendants and persons who received substantial support from the deceased are entitled to benefit. This also includes the person who was cohabiting with the deceased in the last five years up to the time of death or who has to care for joint children. After that, the parents and finally the siblings of the deceased person are taken into account.
     
    However, you have the option of changing the order of beneficiaries in favour of other people.

  • How long does it take for the capital to be paid out?

    The disability benefit will be paid out at the earliest after a waiting period of 12 months from the onset of the disability. The insured lump-sum death benefit is paid out shortly after the death of the insured person.

  • Can you use the paid-out capital as you wish?

    You can use the lump-sum disability or death benefit as you wish. For example, to make disability-related modifications to your home, to cover nursing care costs, to care for survivors or bridge financial shortfalls.