![header-image2x header-image2x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/05-team-germany/header-image3x.jpg?iar=0&w=1600)
TEAM®
Germany and Austria
TEAM® is an innovative group life and disability Solution for your employees.
![10 year anniversary stamp](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/05-team-germany/10-year-anniversary-stamp.jpg?h=1040&iar=0&w=800)
Our risk awareness has massively changed…
COVID-19 and the geopolitical tensions have massively changed perceived security, working life and risk awareness within a few weeks. The need for protection and security is greater than ever. Social responsibility as well as security and pension options by employers are becoming increasingly important. Companies must therefore offer their employees an attractive benefits and pension scheme. And that's exactly where we support you!
TEAM® is an innovative group solution for the German and the Austrian domestics markets that helps you to protect your valuable employees against the financial impact of death and disability.
Did you know?
Results of the 2023 Zurich Eurolife Study – Germany
![didyouknow13x didyouknow13x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/didyouknow13x.png?h=765&iar=0&w=765)
31% of the people
have already experienced loss of income due to illness
![didyouknow23x didyouknow23x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/didyouknow23x.png?h=765&iar=0&w=765)
54 of 100 people
believe that their savings will last less than 6 months
54% of the people
have a stronger need for occupational benefits plans such as Life and Disability covers, due to the current crises in the world
2023 Zurich Eurolife Study – Germany – Fokus Vorsorge, n=2021 People
TEAM® is an employer-funded insurance product without medical underwriting. Structured as a true group policy, risk is assessed across the entire workforce, or a defined subgroup of 20+ individuals as requested (e.g. all company managers). In contrast to regular individual and collective policies, no health check is required for insurance coverage up to the individual automatic acceptance limit, within which acceptance of the members is automatic.
We provide insurance cover within the automatic acceptance limit of up to:
10 x |
annual salary as lump sum death |
6 x |
annual salary as lump sum |
60% |
annual salary as disability |
What are the features of TEAM®?
![no health check3x no health check3x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/no-health-check3x.png?h=420&iar=0&w=420)
No health check*
All employees can be covered irrespective of their medical history
![simple setup3x simple setup3x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/simple-setup3x.png?h=420&iar=0&w=420)
Simple setup, administration and claims handling
Extremely simplified administration on an anonymous basis with no registration of new or leaving employees during the year
![high flexibility3x high flexibility3x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/high-flexibility3x.png?h=420&iar=0&w=420)
High flexibility
Company-specific benefit structuring to replace or augment existing pension and insurance policies
![claims handling3x claims handling3x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/claims-handling3x.png?h=420&iar=0&w=420)
Claims handling
Review of documents and claims decision within five business days
![Attractive premiums3x Attractive premiums3x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/attractive-premiums3x.png?h=420&iar=0&w=420)
Attractive premiums
Attractive discounts compared to individual and conventional group policies
![Immediate high level of coverage3x Immediate high level of coverage3x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/immediate-high-level-of-coverage3x.png?h=420&iar=0&w=420)
Immediate high level of coverage
Immediate high level of death and disability coverage for groups of 20 lives and more
![Years of experience3x Years of experience3x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/years-of-experience3x.png?h=420&iar=0&w=420)
Years of experience
Standard approach in many countries around the world since the 1980s
![Longterm risk measurement3x Longterm risk measurement3x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/00-pictograms/why-choose-team---team-germany/longterm-risk-measurement3x.png?h=420&iar=0&w=420)
Long-term risk measurement
Zurich measures risk on the basis of stable long-term actuarial data; the premium rate has remained unchanged or been lowered with nearly all policy renewals.
* up to the automatic acceptance limit
What are the benefits of TEAM®?
![businesscropped2x businesscropped2x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/05-team-germany/businesscropped2x.png?h=510&iar=0&w=510)
For your business
Competitive premiums for your employees benefits
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Enhances your reputation as a responsible employer
![business RHcropped2x business RHcropped2x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/05-team-germany/business--rhcropped2x.png?h=510&iar=0&w=510)
For your HR and Finance departments
Helps your company attract and successfully retain skilled personnel despite the highly competitive job market
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Greater financial stability through congruent insurance of your benefit promise
![employeescropped2x employeescropped2x](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/05-team-germany/employeescropped2x.png?h=510&iar=0&w=510)
For your employees and Workers Council
Comprehensive coverage protecting against the financial impact of death and disability
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Valuable part of an attractive overall compensation package
German social security system
Continued payment of wages in the event of illness
Employer
Amount:
100% of the last salary
Employer
Amount:
100% of the last salary
Statutory health insurance
Amount:
70% of gross salary, max. 90% of net salary
Carrier:
German pension insurance
Amount:
Full reduction in earning capacity pension: Person can perform any activity for less than 3 hours.
Partial reduction in earning capacity pension: Person can still perform any activity between 3 and 6 hours.
Refusal of a reduction in earning capacity pension:
Person can perform any activity for more than 6 hours
* Valid for persons born after 01.01.1961
More about TEAM®…
Watch the TEAM® film and download brochure.
Contact us
![](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/team-members/2023bbd/yasmin-schulte_800x800.webp?iar=0&w=1600)
![Alexander Gilly](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/team-members/2023bbd/alexander-gilly_800x800.webp?iar=0&w=1600)
![case study case study](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/luxembourg/images/05-team-germany/case-study.webp?iar=0&w=1600)
Good connection:
Rely on Zurich protection for your employees