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@framboise I am here to help :). It's not really an income protection insurance meant like "if you lose your job you're save". This one is insured by law via the Arbeitslosenversicherung. In fact the protection is meant to save your income if you got really disabled. For example you as a...

@framboise First a little thing to tell you: If you leave Switzerland in 10 to 15 years again, in most cases you can withdraw your 3a again. Next I want to tell you that it is really important to know what you want to have. Most important I think is not, as many others here on Reddit think, to...

@tef85 It definitely covers mental health issues as well. Most of the issues today are basically not physical but psychological illnesses (about 30% of all cases). For sure SWEs have other, let's say much cheaper risk fees to pay for this insurance cover thsn for example a forester.

@anything1234 Maybe to really check what you get if you become disabled and cannot work/save anymore. Just to decide afterwards if yoi want to take the risk by yourself or not.