When ending an employment relationship, the BVG only applies for another month by law. So it's definitely worth taking out interim insurance for up to 180 days. Unlike interim insurance, which only pays out in the event of an accident, the Independent insurance solution offers what is known as a mixed rate with illness and accident cover.
Yes, the sabbatical cover applies all over the world. Our offer applies even if you move or work abroad on a permanent basis, provided you have been insured with the AHV/IV for at least three consecutive years prior to moving.
The risk premium can be paid either by the insured person or the employer. There is also a third option, i.e. to pay out of your pension assets. We differ from life insurers in that we offer a group rate as opposed to an individual one. That’s why our customers enjoy such attractive risk premiums.
The extent of the insurance cover depends on the sum of the vested benefits as opposed to income. Unlike the well-known claims insurance variant, we work with a fixed sum insurance solution. This offers the clear advantage of keeping benefit levels intact in the event of a claim. The minimum duration is six months. The insurance cover can be terminated at any time subject to a three-month notice period.
Maternity, further education or an extended stay abroad are other instances where insurance cover is advisable.