KTG: 30 vs 60 days - advices

Banks, Insurances & Third Pillar
1

Hi all,

I am about to sign KTG + UVG and I was wondering if you guys have any take on this?

Essentially I got two relatively good offers from Helsana and AXA, and main difference is: KTG with 30 or 60 days of waiting?

Thanks a lot in advance!

2

How healthy are you? How easily could you manage with an additional month of lost salary?

I would go for 60 and use the saved money to increase the emergency fund.

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3

I’m even on a 90 day waiting period for KTG and 30 days for UVG as more wasn’t possible, if I remember correctly. 90 days is quite a long time but it depends on your individual situation. If you’re just starting out and your nest egg is relatively small, a shorter waiting period may make sense. If you already have substantial reserves, a longer waiting period may be acceptable, assuming you’re healthy.

Tangentially, as KTG only covers 2 years, you also need to think about coverage for long-term disability (as addition to pillar 1). That might be a more important decision than the KTG waiting period.

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