Prisma MultiSafe

Term life insurance is more than just death cover to protect your loved ones. In addition to death, Prisma MultiSafe also covers accidents, critical illnesses and restrictions of capacity to work. Prisma MultiSafe is thus all-round protection for all situations. Prisma MultiSafe protects against six of the biggest life risks. One policy, one partner – well insured in six ways without individual policies or partial cover policies. That saves time and money.

Your advantages

  • Long-term care pension
    • Full benefit (pension) from care level 1 of the Social Code
    • The death and critical illness components can be continued in the event of needing long-term care
  • Basic abilities insurance
    • The insured pension is paid if you lose your basic abilities
    • The death and critical illness components can be continued in the event of a claim
  • Accident pension
    • The premium amount is calculated based on your personal risk profile
    • The death and critical illness components can be continued in the event of a claim
  • One-off payment for critical illness
    • 1 x the annual pension in the event of the diagnosis of one of 38 critical illnesses
    • Can be increased by 2 x the annual pension up to €50,000
    • The accident, long-term care and basic abilities components can be continued in the event of a claim
  • One-off payment on death
    • Classification for non-smokers, smokers and occasional smokers
    • Increase by up to €100,000 easily possible
  • Disability pension
    • Full occupational incapacity protection can be selected as an optional add-on component
    • Pension amount and term can be selected independently of the main policy
Prisma MultiSafe broschure (PDF, DE)

Two calculation examples

A 35-year-old painter, non-smoker, earns €1,400 net. With a monthly premium of €51.01, the painter will receive a pension of €1,000 per month and/or a one-off lump sum of €12,000 if a risk event occurs. Occupational disability cover of €1,000 per month would, by contrast, require at least twice the amount.

A 30-year-old architect, non-smoker, earns €2,235 net and wants to receive around 70% of his previous income if a risk event occurs. He chooses a pension of €1,500 per month, which he is entitled to not only in the event of disability, but also if he needs long-term care or loses his basic abilities or in the event of an accident. A one-off lump sum of €18,000 on the occurrence of a critical illness or in the event of death is included. A monthly premium of €96.89 comprehensively insures the man.

More products and information

Prisma Moments

PrismaLife critical illness insurance protects your family and affords you precious moments – even after the diagnosis.

Product details

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