Qualification Period

In insurance terms, a qualification period is a waiting period between the time you take out an insurance and the point at which the insurance coverage takes effect.

Qualification periods are used by insurers to deter customers from taking out insurance for the sole purpose of immediately claiming benefits.

Many Swiss insurance offers have qualification periods. They are commonly found in legal insurancesupplementary hospital insurancesupplementary health insurancelife insurance, pet insurance, and loan insurance, among others.

For example, many Swiss legal insurance offers have qualification periods of between one and three months. The insurance only covers legal incidents which occur after this period.

Insurances may have qualification periods for specific coverages only. For example, there are Swiss supplementary health insurance offers which only begin to cover glasses and contact lenses after a one-year qualification period. Maternity is another example: Some supplementary hospital insurance offers only begin to cover maternity 270 days after you take out the insurance.

Pet insurance is another example. Many cat and dog insurances have 30-day qualification periods for regular illnesses and 90-day qualification periods for chronic illnesses.

More on this topic:
Compare Swiss insurances now

Health insurance premiums in comparison

Find the cheapest health insurance now

Compare now
Request now for free

Leading credit cards

Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Free credit card

Migros Cumulus Visa

  • No annual fees

  • With Cumulus points

  • Without foreign currency fees

Trading platforms

Brokers with low fees

Swiss Broker

Saxo Bank Switzerland

  • Swiss online bank

  • Favorable prices stock trading

  • High account interest rates

Swiss Broker


  • Swiss online bank

  • No custody fees for stocks

  • Free market research and trading signals

Request now for free

Cheap bank accounts with card

Free bank account


  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Swiss digital bank


  • Multi-currency account with Visa card (CHF, EUR, USD, GBP)

  • Favorable foreign exchange rates

  • CHF 100 welcome bonus

Online private account

UBS key4

  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Expert Benjamin Manz
Benjamin Manz is CEO of moneyland.ch and an independent expert on banking and finance.