Funeral insurance or provision account: what to choose in Geneva
1 min readGuideObseques.ch, independent information
Several options exist to fund your funeral in advance. Here is how to compare them, simply and without jargon.
The provision account
A funeral provision account is a dedicated account in your name, into which you place the needed capital. It can only be used for your funeral, remains yours during your lifetime and is immediately available when needed. Transparent, you keep control of the amount.
Funeral insurance
Funeral insurance is a contract: you pay premiums and, on death, a capital sum is paid to cover the costs. It is convenient, but worth examining closely: depending on your age, the duration and the contract, the total premiums paid may exceed the guaranteed capital.
How to decide
Compare three things: the real total cost, the flexibility, and what your loved ones will actually receive. For many, the provision account is the simplest and most transparent; but the right choice depends on your situation. If in doubt, an independent professional can compare with you, with no obligation.
And municipal coverage
Remember that in Geneva, your municipality often covers part of the costs. The capital actually needed is therefore sometimes lower than you might think: worth checking before signing up to anything.
Plan your wishes in a few minutes
A few simple questions, at your own pace. You get a clear view of the steps, and you spare your loved ones difficult decisions when the time comes.
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Independent, verified information. Sources: RTS (2026), City of Geneva (official tariffs). Amounts are indicative and depend on your municipality.