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.

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

Product details

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