General provisions

1. Who Can Subscribe
Any person, whether residing in Switzerland or abroad, who holds an AVS number at the time the contract is concluded.

2. Eligible Persons
All nationalities and all religious affiliations are accepted without restriction.

3. Age for Subscription
There is no age limit for subscribing to a funeral coverage plan with SéréVita SA.

4. Contract Accumulation
Up to three contracts may be subscribed by the same person, with a total combined value not exceeding CHF 10,000.

5. Contract Elements
The member is identified in the contract by their full name, date of birth, place of origin, and AVS number. The contract also includes the guaranteed funeral capital and the coverage for repatriation costs in the event of death abroad (due to accident and/or illness).

6. Redemption or Reimbursement
No redemption of the capital is possible; however, in exceptional cases, SéréVita may, upon justified request, reimburse two-thirds of the entrusted funeral capital.

7. Banking Guarantees
The funds entrusted by the member are deposited with a bank approved in Switzerland; these funds are guaranteed under the Swiss deposit protection system.

Coverage Plan

1. Guaranteed Sum and Interest
The amount available on the day of death is stated in the contract; this amount will be increased by the accumulated interest earned during the contract term (average annual rate over 2%, based on SNB indicator).

2. Release of Funeral Capital
Upon the member’s death, the subscribed capital is immediately released upon presentation of the death certificate (or equivalent document); the person presenting this document must provide the bank account details for the payment.

3. Repatriation
In case of death outside Swiss territory, SéréVita SA will cover the cost of repatriation by air of a sealed, zinc-lined coffin, up to a maximum of CHF 5,000.
The body may be repatriated either to Switzerland or to the place of origin.

4. Contract Validity
There is no geographic or time limitation for the validity of the funeral coverage. Repatriation costs will only be covered if the member had their place of residence in Switzerland at the time of death.

5. Expiry
If no benefit has been paid and the theoretical age of the member reaches 105, the capital and the accumulated interest revert to SéréVita SA.

In the event of a dispute, only the French version of the general terms and conditions (June 2025) shall be legally binding.