Self-employed & business owners · Module 13

What if you
drop out?

No employer keeps paying: in illness or accident your income stops at once.

▲
Securing the income
In illness

Daily sickness benefits

No lawno automatic benefits
Voluntarythe sickness benefit insurance
After the waitreplaces the income
In an accident

Voluntary accident cover

No accident obligationfor the self-employed
Health insuranceinclude the accident
Voluntary coveroften better protection
In disability

Loss of earning capacity

The IV alonerarely enough
Without a pension fundgap especially large
Disability pensioncloses the gap
For family

Maternity & co.

Maternityentitlement via the EO
Paternityalso covered
Otherwiseprovide for yourself
Good to know

Are you covered?

💡 First step: As self-employed you carry the incapacity risk alone – with sickness benefits, accident and disability cover you secure your income.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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