Protect against risk

Are you prepared for the worst-case scenario?

The financial consequences of occupational disability or death are often unpredictable. AXA supports you in preparing for the worst-case scenario.

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Protect against risk

Are you sufficiently protected? Get ready for the worst-case scenario with comprehensive solutions from AXA. Protect yourself and your family members against the drastic consequences of accident, illness, occupational disability or death.

  • Protection for families and dependants
  • Safety net in the event of accident, illness, death and occupational disability
  • Protection against loss of income

Our products

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    Term life insurance

    Protection for family members and partners.

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    Pension in the event of occupational disability

    Secure income in the event of occupational disability.

    Find out more

Individual accident insurance

Whether you're enjoying time off, doing sports, vacationing, or just living day to day, there are many ways you may be at risk. Even if you are taking the utmost care, there is no way to completely rule out the possibility of an accident. It is, however, possible to protect against the financial consequences.

Statutory accident coverage is generally insufficient for the following people:

  • Homemakers
  • Children and young people
  • Students
  • Individuals not gainfully employed
  • Part-time employees working fewer than 8 hours per week

Adjustable benefits:

  • Medical expenses
  • Daily benefits
  • Daily hospital benefits
  • Disability lump sum
  • Lump-sum death benefit

Always there for you

Do you have any questions or would you like a no-obligation pension consultation? Our experts are there for you.

Frequently asked questions

  • My partner and I would like to insure one another. Can we do this in one policy?

    A lump-sum death benefit can also be insured for two persons. The capital is paid out when one of the two persons dies.

  • I am self-employed and single. Should I join a pension fund or take out life insurance?

    Under occupational benefits insurance, a single person without children pays contributions for benefits he or she will never need, namely for child's pensions and surviving dependants' pensions in the event of death or disability. Pillar 3 can be tailored precisely to a single person’s effective needs. You only pay for what you actually need.

  • What is inheritance privilege?
    • In the event of death, the lump sum payment does not become part of the estate but is paid to the beneficiaries directly and immediately.
    • Beneficial ownership from the insurance remains in effect even if the eligible heir, spouse, registered partner, parent, grandparent, or sibling  renounces the inheritance .
  • What is debt enforcement and bankruptcy privilege?
    • If you have a tied pension policy,entitlement to insurance benefits can neither be pledged  nor included in the bankrupt estate before the policy matures .
    • If you have a life insurance policy as flexible pension provision and, as policyholder, bankruptcy proceedings are initiated or a loss certificate is issued against you, your life insurance is automatically transferred to the beneficiary spouse or registered partner, or to the eligible children.
  • But I’m already legally insured against accident. What is the advantage for me taking out additional personal accident insurance?

    That’s correct, people are generally legally insured against accident. But the insurance cover is limited - the protection from legal accident insurance is inadequate mainly for the unemployed. Personal accident insurance from AXA therefore closes existing gaps in accident insurance, offering attractive terms and tailoring it to your requirements. 

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