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“No risk, no fun” – this will never be the life motto of the Swiss. The typical Swiss does everything he can to minimize risks on planet Earth. Or even better: insure.
On average, households in this country spend almost 600 francs a month on insurance without compulsory health insurance. This is more than any other country in Europe. This is due not only to high wages and price levels, but also to multiple coverage and excess insurance, as well as insurance that no one needs.
Even when it comes to what should be one of life’s greatest events, some people only think about the worst-case scenario: The country’s largest private insurance company advertises “Wedding insurance – only in Zurich.” If the marriage must be annulled at short notice, the group will cover cancellation costs of up to 20,000 francs in exchange for a 135 franc premium.
Payment is made, for example, if one of the spouses, their relatives or witnesses becomes ill, has an accident or dies. It is not clear from the insurance conditions what will happen if one of the heroes suddenly changes his mind. However, “damages” related to pregnancy or childbirth, acts of war and terrorism, or an epidemic are expressly not insured.
According to Zurich, wedding insurance is also suitable as a gift. “Finalize directly online and make the wedding couple happy,” the website reads. This is a gift that newlyweds will remember forever; especially if the wedding goes ahead as planned and the insurance is futile.
This risk does not exist in funeral insurance. This exact product, which Zurich sells in Germany, guarantees “the financial reserves necessary for your funeral.” Insurance amounts up to 15,000 Euros can be agreed upon.
“If the insured person dies, benefits will be paid immediately,” the company promises – but in fine print, it ensures you don’t get scammed: “In the case of deliberate suicide, we pay out if three years have passed since the death of the insured. The insurance contract has been signed.”
Tempting but with a problem
Some insurance companies also want to take advantage of moments of sporting luck, such as a one-on-one chance, or the low probability of this event occurring. Vaudoise covers the obligatory aperitif of up to 3,000 francs from an annual premium of 66 francs; This will be paid out if a golfer manages to hole the ball directly from the tee.
For amateur golfers, the chance to benefit from this generosity is manageable. It is estimated that amateurs need more than 10,000 attempts to make a hole. Cheating is out of the question here, too: The agreement only applies to “an official tournament of at least 9 holes.”
Protection against theft, breakage or loss of golf equipment is included in the price. Vaudoise will also cover the rental of the equipment in case your favorite racquet is lost in transit or delivered late. You must be a golfer!
But cyclists are also well looked after by Vaudoise. Not only will your favorite device be insured against theft, drop or collision, but in case of damage you will also be reimbursed for travel expenses back to your place of residence or departure. An offer that becomes increasingly attractive as public transport prices increase.
Bag insurance, which Cornèrcard uses to advertise one of its credit cards, also looks attractive. “Protects you worldwide against theft and theft of purses, wallets, wallets and everything inside.” There’s just one small problem: “Jewelry, food, cash, coupons, or similar items are not insured,” it says at the end.
What is never mentioned is that a “simple theft away from home” is usually already covered by household contents insurance.
But just: better safe than sorry.
Source :Blick
I’m Tim David and I work as an author for 24 Instant News, covering the Market section. With a Bachelor’s Degree in Journalism, my mission is to provide accurate, timely and insightful news coverage that helps our readers stay informed about the latest trends in the market. My writing style is focused on making complex economic topics easy to understand for everyone.
