Risk insurance
Financial security in the event of an emergency
Unfortunately, life doesn’t always go to plan. Take targeted precautions. With the capita accident and capita illness risk capital insurance policies, you protect yourself and your family against the economic consequences of disability and death. With compensa, you receive a daily allowance in the event of loss of earnings due to illness, accident or childbirth. And with laa domestic employees, you fulfil your legal obligation to insure employees against accidents.
Overview of risk insurance benefits
- capita accident: Lump-sum benefit in the event of disability or death following an accident
- capita illness: Lump-sum benefit in the event of disability or death due to illness
- compensa: Daily allowance in the event of illness, accident or childbirth
- laa domestic employees (mandatory accident insurance): Daily allowance, treatment costs, aids and pensions in the event of incapacity for work following an accident
What does choosing risk insurance mean?
After a twist of fate, everything changes. Risk insurance protects you against the financial consequences of incapacity for work, disability or death. Sympany’s capita accident, capita illness and compensa insurance policies offer protection for you and your family. With laa domestic employees, you have compulsory insurance against accidents for people who you employ, for example, as home helpers or gardeners.
The capita accident and capita illness risk capital insurance policies are recommended for everyone, as illnesses and accidents can affect anyone. If the worst happens, you will receive a lump-sum payment, for example to finance renovations so that you can move back home after an accident.
compensa is aimed at people who are employed and those who do not work, namely employees, the self-employed, homemakers as well as people in education or training. As loss of earnings insurance, compensa pays a daily allowance in the event of illness or accident – and ensures, for example, that employees receive their full salary in the event of loss of earnings. compensa also provides valuable benefits in the event of childbirth if the insured person does not receive full maternity benefits through their employer.
Whether you have a cleaner, a babysitter or a gardener, if you employ people in your household, you must take out compulsory accident insurance for them. With laa domestic employees, you fulfil your legal obligation and ensure that the people you employ are well protected after an accident.
Compulsory social insurance schemes are regulated by law and provide benefits to cover vital needs. They can never fully fill the financial gaps caused by accident, illness, birth, disability or death. Voluntary private risk insurance policies compensate for these shortfalls. They offer a lot of room for manoeuvre, because policyholders decide which risks they want to insure and choose the right solution for their individual needs.
Contact us
Would you like to find out more about Sympany’s risk insurance policies? Our sales team would be happy to advise you over the phone or in person – in your home, at work or at a location of your choice.
