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. For example with regard to their financial protection. Protect yourself and your family against the grave economic consequences of an illness or an accident. With TIKU, CONCORDIA‘s disability and death benefits insurance. Because the benefits paid from AHV/IV (=Alters- und Hinterbliebenenversicherung / Invalididätsversicherung; Swiss Retirement and Survivor Benefits Insurance / Disability Insurance) as well as BVG, the Swiss Federal Law Governing Pension Funds, and employer accident insurance are simply not enough in the event of the inability to work or a 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 account. That is why the premiums are so favourable.

The premiums equal your risk at the time your account is opened for the first time. The 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.

This offers TIKU

• Monetary benefits in the event of disability or death as a result of an illness or an accident
• Insurance amounts that can be selected individually
• Benefit payments irrespective of other insurance providers
• Payments adjusted to the degree of disability
• Valid worldwide
• Favourable premiums for maximum benefits
• 10 % premium discounts for 2 persons or more

TIKU - in collaboration with CONVIA.

Continue to TIKU-premium calculator.