In social networks is circulating since a couple of weeks of saying “dear burglars, beautiful holiday. We are all at home …”
And this is more than a warm Corona-joke. “In the messages to Burglaries in the living area, a declining trend can be identified,” says Christoph Gnägi, spokesman for the cantonal police of Berne.
On the streets of Corona-Lockdown also has a positive effect. “We have noted a decrease in the volume of traffic, as well as the accident reports,” said Carmen Surber of the police of the Canton of Zurich. Your colleagues in the Aargau, to observe the same. “The number of traffic accidents has declined considerably,” said spokesman Bernhard Graser.
pandemic-clause shall not exclude the many cases of
Where there are less accidents and burglaries, there are also less reporting of Claims – and that is good for the books of the insurance companies. Because the premiums for Household contents, liability, partial and full insurance have taken a long time ago. And the cost of Corona-induced failures of large insurance companies such as Axa and Helvetia are not participating. Your epidemic-policies cover from closing in the event of a Pandemic explicitly.
But that’s not all: The insurers could be the many plant closures even benefit, because in a disused company is not “normal” loss events occur, such as through a transportation, operation, or professional liability insurance are covered.
claims shift
It is the question of Benefit arises, therefore, the insurance industry may be of the Corona-crisis? You make the big money, while many small businesses are struggling to Survive? The Swiss insurance Association (SIA) is dismissive: “The extraordinary Situation says also leads spokeswoman Sabine Alder to increased benefits in other insurance areas, such as travel insurance or legal protection insurance”.
In the area of the operation and professional liability insurance, but also in the transport insurance, the premium is set in part according to the turnover. “Furthermore, it is assumed that numerous companies have withdrawn their motor vehicles in order to save on the premiums,” says Alder more.
To early for a balance sheet
The Association says: a “halfway correct” assessment would have to be considered a variety of factors into consideration. It was at this time not yet possible. Alder: “It is too early, the consequences of the eruption of Covid-19 and the lock downs on the insurance industry rate is.”
In the case of the large insurance companies it sounds similar. Short-term fluctuations in the claims burden, it always give back, so the Tenor at Axa, furniture, Zurich, Allianz Suisse, Helvetia and Baloise. Detailed Figures for the individual insurance categories do not want to be made known to the company.
however, they point to the fact that it was also affected by the developments in the stock market heavily. Helvetia-speaker Jonas gross Niklaus, noted: “We expect that Covid-19 will have a negative impact on our earnings.”
Coronavirus
The Coronavirus currently holds the world in suspense. Many countries are taking measures such as Closing schools or limiting public events, to prevent the spread. In Switzerland, too, the grass, the Virus magnetized. All of the current information and Figures around the topic there is in the Coronavirus-Ticker.
I Have the corona virus or just the flu?
The Coronavirus spreads further – also in Switzerland. Especially in the flu season, you can assess for yourself whether one is ill with the Coronavirus, or whether you just have an ordinary flu. The differences are subtle, but they exist. VIEWS is defined.
protection against Coronavirus
recommendations of the Federal office for health, how you can protect yourself:
Hygiene
wash your hands: Wash your hands regularly with soap and water or use a Hand sanitizer. Don’t sneeze, you Sneeze into the hands, or cough in a handkerchief; or if you have none, in the bend of your elbow. Handkerchiefs to dispose of properly: paper towels, should be disposed of after use in a closed waste bin. You stay in fever and cough necessarily at home.
contact minimize
Stay home and avoid wherever possible contact with people. You go only in the following exceptional situations, out of the house: the food doctor shopping or pharmacy visit / the home office is for your job not possible / you have to help other people. You keep if possible 2 meters distance to your fellow human beings, for example, in a line or at meetings. Avoid contact with people breathing or have a cough. You avoid public transport. You can be all that is possible to home deliver. Important: No welcome kiss, no hugs, no shaking hands.
stay Informed
Note the local instructions and recommendations. Strictly to the rules and announcements of the authorities. Infoline Coronavirus: 058 463 00 00, 24 hours a day available Info-page of the BAG: bag-coronavirus.
when should the ch one to the doctor?
do not Go out in the symptoms (difficulty breathing, cough, or fever) in the Public and contact you immediately – first by phone, a Doctor, a doctor or a health care facility.
patience
remains The Situation until Further notice. The Federal government informed in regular intervals about the current developments. It applies now more than ever: peace and quiet preserved, and the thing in common to serve.
