A serious illness, a severe accident – life can change from one day to the next.
Disability and death also have serious consequences for your dependants, such as with regard to their financial protection. Protect yourself and your family against the grave economic consequences of an illness or an accident. With TIKU, the disability and death benefits insurance at CONCORDIA. Because the benefits paid from Swiss Old Age and Survivors' Insurance/Disability Insurance, the occupational pension fund (BVG/LPP) and employer accident insurance are simply not enough in the event of incapacity to work or death.
Taking responsibility does not cost much and if the unexpected does happen, it gives you peace of mind. TIKU is a risk insurance without a savings goal. That is why the premiums are so favourable.
The premiums equal your risk at the time your account is opened for the first time. Advantage: the younger you are, the lower the expense. Premium adjustments are only made at an increased age or risk, and for the most part also when the financial freedom is increased.