Solutions • Products

Total solutions and first-class service

Life Insurance

Our life insurance offering includes Basic Term Life Insurance (Active/Retiree), Basic Accidental Death & Dismemberment (AD&D), Optional Employee and Dependent (Spouse/Child) Term Life Insurance and Optional Accidental Death and Dismemberment.

Financial protection from income gaps

When an individual experiences a disability or the passing of a loved one it becomes clear how great the consequences of a reduced income can be to his/her financial health.

At elipsLife we provide innovative products, solutions and the consultation to help safeguard your employee's income and protect their families financial future. We understand that you care about your employees and our financial protection products are designed to support them at a time when they need it most.

Long Term Disability

Long Term Disability provides income protection for employees experiencing a serious illness or injury. With a strong emphasis on the individual, our goal is to support claimants through the challenges of their disability by focusing on their functional capacity and not their limitations.

Employee benefits insurance and reinsurance (second pillar)

- Reinsurance solution for biometric risks
- Employee benefits insurance (BVG)

Find out more about our reinsurance solutions

Employee benefits insurance and reinsurance

Individual pension provision 3b (third pillar)

- elipsLife Tria

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Individual pension provision 3b (third pillar)

Accident insurance

- Compulsory accident insurance (UVG)
- Supplementary accident insurance (UVGZ)

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Daily sickness benefits insurance

- Daily sickness benefits (KTG)

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Absence Management Services and Short Term Disability

Absence Management, Short Term Disability (Fully Insured and Self Insured) and Accommodation Services for mid to large sized businesses.

New text: Exceptional products: solution-oriented and innovative

elipsLife offers insurance products for illness, accident, disability, and death. Many companies are faced with coverage issues that call for support from a flexible risk carrier. Whether these concern insurance issues related to the mobility of top managers, restructuring projects, mergers and acquisitions, converting a defined benefit scheme into a defined contribution scheme, securing company shares, or guaranteeing vested rights – elipsLife has designed optimized risk transfer models for all problems.

Exceptional products: solution-oriented and innovative

elipsLife offers insurance against the financial impact of illness and accident. We focus on the specific risks and needs of the client at all times, with a range of products for both companies and brokers. These are:

elipsLife daily sickness benefit insurance gives your business full peace of mind if one of your employees falls ill and becomes incapacitated. Comprehensive cover avoids any gaps and provides the benefits the employer wants and needs.

Entitlement to wage replacement benefits in the case of sickness-related incapacity to work is governed by the Swiss Code of Obligations, but ends after only a few short months. elipsLife closes this coverage gap with competitive daily sickness benefits insurance under the Swiss Insurance Policies Act (IPA). Following a qualification period determined by the employer, elipsLife solutions guarantee that they will be compensated for continuing to pay a sick employee’s salary – for up to two years.

Case management as an additional service
Case management forms part of our corporate health management (CHM) program, which helps companies to prevent illness, manage repeated absences and reintegrate its employees into the workforce. Professional case management keeps your daily sickness benefit insurance premiums steady and can even reduce them. Click here for more information.

Mandatory accident insurance
Insurance against occupational accidents and illnesses is compulsory for all employees in Switzerland and Liechtenstein under the Swiss Accident Insurance Act (AIA) and the Liechtenstein Accident Insurance Act (UVersG) respectively. What’s more, all employees who work more than eight hours a week for the same employer must also be insured against non-occupational accidents.

elipsLife mandatory accident insurance provides all of the elements of cover required by law, such as wage replacement benefits in the form of a daily allowance if an employee is unable to work, the necessary benefits to cover care, and pension benefits in the event of disability and death.

Supplementary accident insurance
Supplementary accident insurance extends the benefits paid under mandatory accident insurance in line with the client’s particular needs. It is a good choice

for employees paid more than the maximum covered by the AIA.
for the entire workforce over and above mandatory AIA benefits. For example, it might pay for inpatient hospital treatment on a private ward, or additional lump-sum benefits in the event of death or disability.
to insure special risks for which cover is limited or excluded under mandatory accident insurance.

Reinsurance for occupational pensions enables companies’ own pension funds and collective foundations to insure the biometric risks of disability and death with elipsLife.

The advantages of congruent reinsurance from elipsLife:

Benefits are replicated and insured in accordance with the Pension Regulations
No over- or underinsurance
Case management forms an integral part of reinsurance

Cover as set out in its regulations enables the pension fund to budget with certainty and to focus on the challenges of occupational pension provision. The fund can also hand over the management of death and disability cases to elipsLife to keep its own administrative costs down.

Case management forms an integral part of any chosen elipsLife reinsurance solution. It benefits corporate clients with their own pension funds, and their employees, because it provides active support in the face of disability or a person becoming unable to work.

More information

Brochure Daily sickness benefit insurance

Brochure Accident and supplementary accident insurance (UVG)

Our products

Accidents: elipsLife offers insurance cover against the economic consequences of occupational and non-occupational accidents through a customizable policy that adapts to the needs of each client.

Permanent Disability due to Sickness (IPM): In combination with our accident insurance product, we offer coverage against the financial consequences of permanent disability due to illness, whether resulting from obligations under national collective labour agreements or company agreements.

Mortality Capital

- Mortality Capital

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Total and Permanent Disability

- Total and Permanent Disability

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Long-Term Care

- Long-Term Care

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Involuntary Loss of Employment

- Involuntary Loss of Employment

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Überzeugende Produkte: lösungsorientiert und innovativ

elipsLife bietet Versicherungen für Krankheit, Unfall, Invalidität und Tod an. Viele Unternehmen sind mit Deckungsfragen konfrontiert, die einen flexiblen Risikoträger erfordern. Seien es Versicherungsfragen rund um die demografische Entwicklung in Unternehmen, Fachkräftemangel, Mobilität von Topmanagern, Restrukturierungen, Mergers & Acquisitions, Sicherung von Unternehmensanteilen oder Besitzstandswahrung – elipsLife hat für alle Problemstellungen optimale Risikotransfermodelle erarbeitet.

Betriebliche Einkommenssicherung

Arbeitsunfähigkeitsrente
Einkommenssicherungsrente
Todesfallkapital

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WGA Supplementary Insurance

WGA Own Risk Group Insurance

Individual Disability Insurance

Survivor Group Insurance

Orphan’s Insurance

WIA Excedent Insurance; WIA Onderbouw Insurance

Our products

Exceptional products: solution-oriented and innovative

elipsLife offers insurance to cover sickness, accident, disability and death. Many companies are faced by complex coverage issues that call for support by a flexible risk carrier. Whether these concern insurance issues related to the mobility of top managers, restructuring projects, mergers and acquisitions, converting a defined benefit scheme into a defined contribution scheme, securing company shares or guaranteeing vested rights - elipsLife has designed optimised risk transfer models for all problems.

Anw Gap insurance

The Anw Gap insurance provides more financial security for the spouse of the insured person in the event of death. In case of death of the insured person, he / she will receive a monthly benefit. In addition to the elipsLife Anw Gap insurance, elipsLife also offers Anw Gap insurance specific groups:

Anw Gap Insurance - click here for more information about elipsLife Anw Gap Insurance.

Anw Gap insurance for the police - click here for more information

Anw Gap insurance for civil servants, university of applied sciences staff and university staff - click here for more information

Anw Gap insurance for Defense employees - click here for more information

Survivor's pension

Survivor's pension is the pension for the spouse and children of the insured person in case of death. We also call this partner's pension and orphan's pension. Click here for more information about the elipsLife survivor's pension.

Currently not all information is available in Dutch.

WGA Plus Insurance

With WGA Plus Insurance by elipsLife employers protect their employees against the financial consequences of a partial disability. Click here for more information about WGA Plus.