I had hard time to pick-up right category for this one, feel free to move where it fits best.
Recently my family has been hit with bad news - my wife has been diagnosed with cancer. The “good” side of this is that it has been detected very early and is already removed, but my wife has to go through chemotherapy anyway.
As I’m family’s “fund manager”, I would like to ask you about some advice regarding financial aspect of such situation. Maybe this topic will also help the others prepare better for such events - even though I hope you will be spared from this…
Currently my list of questions looks like this:
- Salary - my wife’s employer seems to be insured for long-term sickness, so my current understanding is that my wife will be getting 80% of the salary until she can go back to work. I don’t know yet the details of that contract, but probably I should assume that there will be no 2nd pillar contributions, next year bonus will be lowered by the amount of unavailability at work and things like this?
- Life insurance - as we have bought the house, since about a year we were thinking about buying one (eg. with VIAC), but now I’m concerned that it would not work anyway, in case something happens to my wife which will be cancer-related. Do you know how does it work and if it still makes sense to buy such insurance?
- Health insurance - am I right that now if we would like to change health insurance at some point and buy complementary one, it would anyway won’t work for cancer-related expenses? So we are kind of stuck with current insurance (fortunately we already had a good one, so I think most of the expenses will be covered anyway).
- Permanent health deterioration - our friend from Germany after going through chemotherapy has been stated with some % of permanent health deterioration. This gives her some “advantages”, like discounts, lower tax-rate (if I’m not wrong), etc. Are you aware about anything similar in Switzerland?
- General insurances - I must admit that insurances were always the worst part of our financial management. By this I mean that, so far we were probably over-insured, maybe we already miss some opportunities to fill the claims etc. So my question here is: is there anything in current set of insurances most of people already have, which can be claimed in such situation? I don’t think so, as for example accidents insurance provided by employer is for something else, but anyway I prefer to ask to be sure.
- Any other advices?
Please, don’t have the feeling that I would like to “profit” from this situation, cheat the insurance system etc. I’m asking just because I was never thinking about such things and I just don’t want to overlook something we can and have rights to do (eg. by simply not knowing about it). Thank you in advance!