Unemployment insurance
Don’t let an unexpected event jeopardize your financial stability! With the «Helvetia Income Protect» unemployment insurance, you receive a monthly benefit if you lose your job, fall ill, or have an accident.
Unemployment
If you lose your job, the supplementary unemployment insurance pays a monthly benefit to help you maintain your income.
Illness
If an illness prevents you from working, you continue to receive a guaranteed income thanks to your complementary protection.
Accident
After an accident, supplementary unemployment insurance also takes over, ensuring that your income is maintained during your convalescence.
Your unemployment insurance for total peace of mind!
With supplementary unemployment insurance, you benefit from guaranteed income in case of job loss, illness, or accident. This financial protection allows you to maintain your commitments and standard of living, even when your income decreases. Our clients’ satisfaction reflects the clear, human, and effective support we provide — designed to bring genuine peace of mind every day.
Clients who stay calm, even when the unexpected strikes
Your unemployment insurance with Lica
Our clients appreciate the responsiveness of our advisors, the transparency of the process, and the reassurance of having stable income in times of uncertainty. With Lica, financial security becomes second nature — even when everything comes to a halt.
I recommend it to everyone.
You fought for over 4 months to get us this contract, you're really great.
You're the best
He has incredible patience, î explains things patiently and is always there to help you without a doubt.
Thanks to Xavier for the incredible work he does for me ✨
Unemployment insurance
in three steps
In just 3 steps, you can protect your income and secure your financial future. Apply online, receive a personalised offer, and activate your coverage.
I
Complete your online application
Submit your supplementary unemployment insurance request online in just a few minutes. The process is simple, fast, and fully secure. You provide your basic information — we take care of the rest.
II
You receive your offer
Our advisors carefully analyse your profile to offer a supplementary unemployment insurance solution perfectly suited to your situation and income. This means a clear offer, with no medical exam and no complicated paperwork!
III
Enjoy your coverage
As soon as you accept your offer, your unemployment insurance takes effect. You’ll be covered in case of job loss, illness, or accident, and enjoy real financial security for you and your family.
Supplementary unemployment insurance
Summary of key information
Before you sign up, take a moment to discover the key points of supplementary unemployment insurance. Below you’ll find all the practical information you need to make an informed decision!
Gap of 20% to 30%
Job loss
In Switzerland, mandatory unemployment insurance (ALV) only covers part of your income. You receive 70% of your average salary over the past six months if you have no dependent children, or 80% if you do. For a net salary of CHF 5,000.–, the monthly benefit would be just CHF 3,500.–. This can quickly become a serious financial challenge!
Over 20% income gap
Illness or accident
In the event of illness, income maintenance depends on your employment contract and any applicable collective agreements. Some employers cover part of your salary, others do not — resulting in a potential income gap of 20% to 100%. In the case of an accident, the Federal Law on Accident Insurance (LAA) covers 80% of your salary, leaving the remaining 20% to the insured. Without supplementary protection, such losses can quickly undermine your household’s financial stability.
Insurance premiums and benefits
In case of income loss and unemployment
| Benefits | Premiums |
|---|---|
| CHF 300.00 | CHF 23.85 |
| CHF 400.00 | CHF 31.80 |
| CHF 500.00 | CHF 39.75 |
| CHF 600.00 | CHF 47.70 |
| CHF 700.00 | CHF 55.65 |
| CHF 800.00 | CHF 63.60 |
| CHF 900.00 | CHF 71.55 |
| CHF 1’000.00 | CHF 79.50 |
| CHF 1’100.00 | CHF 87.45 |
| CHF 1’200.00 | CHF 95.40 |
We answer your questions
What is supplementary unemployment insurance for?
Helvetia Income Protect supplementary unemployment insurance helps you compensate for income loss in the event of involuntary unemployment or loss of earning capacity (illness or accident). It complements the basic benefits of unemployment insurance (UI) and health or accident insurance, which are often insufficient. This way, you can recover up to 30% of your missing salary without using your savings, and maintain your standard of living even during challenging times.
How can you benefit from the insurance?
Subscribing to Helvetia Income Protect is quick and easy — no medical exams, no age or profession restrictions. However, certain conditions apply:
- You must not have been unemployed in the past 12 months;
- You must work at least 30 hours per week;
- You must not have had any accident or pre-existing illness in the past 12 months.
Once these criteria are met, coverage begins on the date specified in the insurance policy.
What benefits are covered?
Monthly benefits range from CHF 300.- to CHF 1'200.-, depending on the amount you select when subscribing. Payments are made for up to 12 months per claim, whether due to unemployment or loss of earning capacity. This flexibility allows you to tailor your coverage to your actual needs while keeping monthly costs affordable.
How do waiting and qualifying periods work?
In the case of involuntary unemployment, insurance coverage begins 6 months after subscription (qualifying period). After this, a 3-month waiting period applies before the first payment. In case of loss of earning capacity, there is no qualifying period, but a 3-month waiting period starts from the date confirmed by a doctor. Benefits are then paid monthly, for up to 12 months per claim.
What are the main exclusions of the insurance?
Certain situations do not entitle you to benefits:
- If you were ill or had an accident in the 12 months prior to subscription;
- If you are unemployed at the time of application;
- If you work part-time for less than 30 hours per week;
- When the job loss is voluntary or results from gross misconduct.
These restrictions ensure fair and sustainable coverage for all insured persons.
What are the benefits of this solution?
Helvetia Income Protect offers simple and flexible protection, tailored to every situation:
- Affordable premiums with no age discrimination;
- Fast subscription, no medical exam required;
- Cancellation possible at any time, with no long-term commitment;
- No benefit reduction, even if other insurance providers are involved;
- Full income protection, without dipping into your savings.
A clear, reliable, and accessible solution to maintain your financial stability in the face of life’s uncertainties.
With a trusted partner for your unemployment insurance
Working with Lica means receiving human, expert, and fully confidential support. That’s why we assign you a dedicated advisor from the very beginning. You benefit from personalised guidance, quick handling, and clear follow-up at every stage. From the first contact to contract signing, we remain discreet and efficient. In short, you enjoy tailor-made support from start to finish.
Manuel Ognissanti
“My goal is to simplify your journey! I support you at every step with transparent and independent advice. This way, you move forward with peace of mind, confident you’ve made the right choice.”