Insurance

Bring your project to life, simply.

Compulsory insurance for credit applications

When taking out credit in Switzerland, it’s important to understand the insurance that may be required to protect the borrower and his or her family. At Multicrédit, we support our customers by explaining the various insurance options, so that they can choose the ones that best meet their needs. Here’s an overview of the main types of insurance to consider when taking out a loan:

Why choose Multicredit.ch?

At Multicrédit, we always advise our customers to carefully assess their personal and professional situation before choosing which insurance to include with their credit. Each type of insurance provides a different level of protection, and it’s crucial to find the right balance between coverage and budget. Our experts can help you determine which insurances are really necessary, and which options are suitable for each borrower profile.

Our strengths in obtaining the best possible offers for our customers throughout Switzerland are as follows

Receive a preliminary decision in just 5 minutes, during the first telephone contact
Free processing of your request and non-binding offer
Guaranteed confidentiality (we are bound by banking secrecy)
Flexible repayment over 12 to 84 months
Adjusted monthly payments and lower interest
Flexible, adaptable terms (duration, rate, amount)
Pay off your loan early at any time

For Swiss nationals and C permit holders, tax deductions possible for interest on debt
Easier and faster than mortgages and leasing
Taking care of all your administrative formalities
Simple, quick and discreet procedures
Your file put together by a specialist
Personalized advice at home or at our office

For private individuals living in Switzerland, Swiss nationals or holders of a B, C permit or legitimation card (D, E, G and H), increasing your liquidity is possible, and so is saving money. Benefit from an individualized study of your project, and a tailor-made loan offer very quickly.

Here’s an overview of the main types of insurance to consider when accepting a credit offer:

Death Insurance

Death insurance is essential to guarantee peace of mind for the borrower and his or her loved ones. In the event of death, this insurance covers the amount outstanding on the loan, so that the family does not have to repay the debt. This protection avoids financial hardship for heirs, and ensures a degree of stability in difficult times.

Job Loss Insurance

Job loss insurance is a safety net for borrowers. If the borrower loses his or her job through no fault of his or her own (e.g. redundancy), this insurance covers the monthly repayments on the loan for a specified period. This protection means that you can continue to honor your financial commitments without risking increased indebtedness.

Disability insurance

Disability insurance provides cover if the borrower becomes unable to work as a result of accident or illness. Depending on the degree of disability, this insurance may cover all or part of the borrower’s monthly loan payments. It’s an important protection that helps maintain financial stability in the event of loss of earning capacity.

Disability Insurance

This insurance comes into play if the borrower is temporarily unable to work due to illness or accident. It covers all or part of the monthly credit payments during the period of inability to work, reducing financial stress and enabling the borrower to concentrate on recuperating.

Loss of earnings insurance

Loss-of-earnings insurance is similar to disability insurance, but may be more extensive, depending on the policy chosen. It covers monthly loan payments when the borrower is temporarily or permanently unable to work.

Practical advice for your future credit

Compare offers: Multicrédit helps you compare the insurance policies offered by different insurers to find the best value for money.
Read the terms and conditions: Before taking out insurance, it’s important to read the terms and conditions carefully to understand any exclusions and coverage limits.
Choosing the right cover: Avoiding over-insuring your credit can be just as important as insuring yourself properly. We advise our customers to choose insurance that suits their family, professional and health situation.

c hab — Housing credit

Finance home improvements

c auto — Car credit

Buy your vehicle on credit

c form — Training credit

Finance your studies

c med — Medical credit

Finance your surgery and medical care

c all — Miscellaneous credits

For all other projects

Your credit in 4 steps

Quick and easy

Request

You fill in the credit application form according to your needs.

2 min

Proposal

“We analyze your request and offer a solution tailored to your profile.”

12 hours

Signature

Once the contract has been drawn up, all you have to do is sign it and send it to us.

This step depends on your responsiveness.

Transfer

The amount is transferred to your account.

14 days (legal deadline)

Let us find you the best possible credit offer

We are always looking for the best possible offer for our customers throughout Switzerland.

Credit insurance is not compulsory, but it is strongly recommended to protect the borrower and his or her loved ones against the unexpected. At Multicrédit, we are committed to providing tailor-made advice to help you choose the best insurance options to guarantee your financial security. Whether it’s to protect your family, your income, or your ability to repay in the event of an unexpected event, our team is here to guide you every step of the way.

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