Daily sickness benefits insurance

Daily sickness benefits insurance in Switzerland

Coverage of employees and employers in case of illness

Sickness is the most common cause of absence from work. In times of coronavirus, this trend is increasing. If your employees are absent due to illness, you are legally obligated to pay them. When a wave of flu hits, it can be costly, especially for smaller companies, as employees need to be paid despite a lack of income.

Wages protection, known as daily sickness benefits insurance, can be taken out to ensure that neither employees nor the company suffer the negative consequences of illness. It will allow sick employees to be paid for periods of absence.

Usually, it is favourable to combine daily sickness insurance benefits with occupational insurance. That way, the insurance contributions are lower, and the coordinated payments are carried out properly.

What additional coverage is offered under daily sickness benefits insurance?

Sick pay coverage is the main part of the benefits, but you can expand the package according to your needs. Your employees on maternity or paternity leave may also be covered by the insurance, should you decide to purchase a relevant option.

If there are first-class experts among your staff, you can also insure against their absence. A key person absence insurance means you will be reimbursed for additional expenses incurred due to the illness of particularly important employees.

Self-employed can also include daily accident benefits in their insurance package.