3rd category - Insurances

About the dependant or free 3rd category insurance

The legal principles of our contingency funding system partly date from the beginning of the 20^th century.
Therefore, the social welfare network is full of gaps and faults. The contingency funding concept is complex and not really clear. It is therefore important to use an insurance advisor in order to profit at best from the contingency funding possibilities.

In the insurance on disability, you have the choice between dependant contingency funding (category 3a) and free contingency funding (category 3b). Dependent contingency brings you fiscal advantages, while free contingency funding is subject to more flexible regulations.

	Dependent contingency funding (category 3a)	Free contingency funding (category 3b)
Policy-holder	Employed or self-employed	Both
Expiry of the contract	5 years before retirement age at the earliest	Free
Beneficiary	The policy-holder	Free

Your taxes throughout the insurance time
Premiums	Deductible from the taxable income. The maximum amount for employees and self-employed is set periodically by the federal Council.	The premiums can be partly deduced from the taxable income, according to the canton. However, the deduction possibilities are usually negligible.

The taxes you pay on benefits
Disability	The benefits are fully taxable.	If the benefits were self-financed, they are partly taxable.

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