English

Sum Insured

The sum insured is the highest amount which an insurance provider will pay out as a benefit. The term “maximum coverage” is also used.

Insurers only cover the cost of losses resulting from perils defined in your insurance policy and the terms and conditions attached to it.

The sum insured can even impact the benefits you receive when you make claims which are much lower than the sum insured. This is the case in underinsurance, where benefits may be cut in proportion to underinsurance levels.

Example: A household insurance policy has a 70,000-franc sum insured. The value of the household should not exceed this sum insured. If it did, the household would be an underinsured.

In life insurance, the sum insured is the amount which the insurance company will pay out in the case of a covered loss.

More on this topic:
Swiss insurance comparisons
Insurance calculator

Expert Benjamin Manz

Benjamin Manz was an expert on banking and financial topics at moneyland.ch.

Insurance

Swiss Insurance Offers

Digital Model with Family doctor

KPTwin.smart

Check your symptoms online
Online drug delivery
Primary care: App / family doctor

Free quote

Basic Insurance

Helsana

Top marks for insurance and service
Benefit from free telemedicine at any time
Everything to hand at all times with the myHelsana app

Free quote

Free Immediate Assistance in the Event of Death

Pax Care

CHF 2,000 in emergency assistance in the event of death
Personal support from professionals
100% free of charge

Learn more now

Health insurance

coverio

Health insurance for foreign students
Choice of different excesses
Treatment by specialist physicians and other specialists

Find out more

Travel Insurance

Standard 365

Cancellations & interruptions
Luggage insurance
Direct application

Book now

Insurance

Swiss Insurance Offers

Digital Model with Family doctor

KPTwin.smart

Check your symptoms online
Online drug delivery
Primary care: App / family doctor

Free quote

Basic Insurance

Helsana

Top marks for insurance and service
Benefit from free telemedicine at any time
Everything to hand at all times with the myHelsana app

Free quote

Free Immediate Assistance in the Event of Death

Pax Care

CHF 2,000 in emergency assistance in the event of death
Personal support from professionals
100% free of charge

Learn more now

Health insurance

coverio

Health insurance for foreign students
Choice of different excesses
Treatment by specialist physicians and other specialists

Find out more

Travel Insurance

Standard 365

Cancellations & interruptions
Luggage insurance
Direct application

Book now

Digital Model with Family doctor

KPTwin.smart

Check your symptoms online

Learn more See all deals

Find out more

Current Offers

Managed Premium

Discretionary Mandate

Up to CHF 100 welcome bonus
Customized portfolios & unlimited access to wealth advisor
Daily rebalancing

Learn more for free

Free credit card

Swisscard Cashback Cards Amex

No annual fees
Two cards Amex & Visa/Mastercard
With cash back

Learn more now

Swiss Trading Platform

Swissquote

Leading Swiss online bank with FINMA license
Free multicurrency account & low commissions
Access to more than 3 million products (shares, ETFs, crypto and more)

Benefit now

Free Immediate Assistance in the Event of Death

Pax Care

CHF 2,000 in emergency assistance in the event of death
Personal support from professionals
100% free of charge

Learn more now

Free credit card

PKZ Insider Card Visa

Welcome Bonus of CHF 100
No annual fees forever
Double bonus with PKZ and up to 1% worldwide

Learn more now

Online private account

UBS Banking for adults

Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App
Plus KeyClub rewards program
50 CHF welcome gift

Learn more

Find out more

Current Offers

Managed Premium

Discretionary Mandate

Up to CHF 100 welcome bonus
Customized portfolios & unlimited access to wealth advisor
Daily rebalancing

Learn more for free

Free credit card

Swisscard Cashback Cards Amex

No annual fees
Two cards Amex & Visa/Mastercard
With cash back

Learn more now

Swiss Trading Platform

Swissquote

Leading Swiss online bank with FINMA license
Free multicurrency account & low commissions
Access to more than 3 million products (shares, ETFs, crypto and more)

Benefit now

Free Immediate Assistance in the Event of Death

Pax Care

CHF 2,000 in emergency assistance in the event of death
Personal support from professionals
100% free of charge

Learn more now

Free credit card

PKZ Insider Card Visa

Welcome Bonus of CHF 100
No annual fees forever
Double bonus with PKZ and up to 1% worldwide

Learn more now

Online private account

UBS Banking for adults

Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App
Plus KeyClub rewards program
50 CHF welcome gift

Learn more

Life insurance premiums in comparison

Find the cheapest life insurance now

Compare now

Information

About moneyland.ch

moneyland.ch is Switzerland’s independent online comparison service covering banking, insurance and telecom. More than 100 unbiased comparison tools and calculators are available on moneyland.ch, along with useful financial guides and timely news. The comprehensive comparison tools help you to find the right insurance policies, bank accounts, credit and prepaid cards, loans, mortgages, trading accounts and telecom products for your needs. The guarantee of independence applies.

Compare Life Insurance

Company

Users

Banks & Telecom

Insurance & Pensions

protected by
reCAPTCHA

moneyland.ch is Switzerland’s independent online comparison service covering banking, insurance and telecom. Contact us