Income protection

To enable you to protect yourself and your family from financial gaps in the event of involuntary unemployment or incapacity to work, BANK-now offers an insurance solution with Helvetia Versicherungen to protect against loss of income.

Benefits at a glance

  • Secures the previous standard of living.
  • Protects against potential financial emergencies as a result of accident, illness, or unemployment.
  • Protects recurring payment obligations such as rent, insurance premiums, and taxes.
  • Can be taken out at any time, even without a credit or lease agreement.
  • No health check necessary.
  • The amount paid out can be used for any purpose.

Insured risks

  • Involuntary unemployment.
  • Temporary total incapacity to work due to illness or injury.

Sum insured

You can choose the monthly sum insured yourself:

  • CHF 500.- per month/monthly premium of CHF 29.95.
  • CHF 1'000.- per month/monthly premium of CHF 59.90.
  • CHF 1'000.- per month/monthly premium of CHF 71.90.


  • At least 18 years old and no more than 60 years old on conclusion of the contract.
  • Main residence in Switzerland.
  • No knowledge of an existing illness.
  • No absence from work of more than 20 days due to illness/accident and no hospital stay of more than 10 days in the past 12 months.
  • Employed on a permanent basis and without notice for at least 12 months with at least 25 hours per week.
  • Not imminently about to enter early retirement.

Duration of insurance

  • Unlimited with a notice period of 30 days.

Duration of benefits

  • Maximum of 12 months per claim; maximum of 36 months in total.

Applying for income protection

It’s simple:

  • Choose the monthly sum insured you want.
  • Print the application form and send the completed and signed application and debit authorization to the nearest BANK-now branch.

Income protection is an insurance policy from Helvetia Versicherungen, brokered by BANK-now Ltd. As the policyholder, the client concludes a contract with Helvetia Versicherungen, the insurer.

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