Daily sickness benefits insurance

Daily sickness benefits insurance from SWICA ensures that employers can meet their ongoing obligation to pay salaries, delivering financial security for both employees and employers.

Illness: loss of earnings due to illness covered

Taking out daily sickness benefits insurance for your employees is voluntary. As an employer, however, you are legally obliged to continue paying the salaries of employees who are ill or have had an accident for a certain period of time.
You can transfer this risk to SWICA on pre-defined terms. In this way, you can protect the earnings of employees who are unable to work for an extended period of time due to illness.This makes it possible for your company to budget for the risk of ongoing salary payments.

Coronavirus: who pays the loss of earnings?

The spread of COVID-19 is raising multiple issues, also for organisations. For example, when is there an entitlement to claim daily benefits for loss of earnings?

The coronavirus now affects us all, including employers. There are questions around claims: who pays if staff are unable to work?

The basic rule of thumb is that SWICA is only liable if employees are ill. In other words, SWICA will pay the claim – along with other illness-related absences – if symptoms arise that match those of the coronavirus (COVID-19) or are similar, or if a case of COVID-19 is confirmed. SWICA assumes that in such cases a doctor will issue a statement of incapacity for work, although it does allow the claimant 14 days to provide a doctor’s note.

On the other hand, there is no liability to pay in cases where employees have to go into quarantine on the instructions of the authorities or their employer. In these cases, employees are not deemed to be ill or incapacitated.

Please contact your local agency if you have any more questions.

Ask for advice

Your advantages at a glance.

Securing the employer’s obligation to continue paying salaries and thus protecting employees and employers financially
Cover for the cost of replacement workers
Advice, support and coordination by occupational health management specialists (performance management, customer visitors, care manager, prevention)
Freely selectable scope of cover
Individually selectable waiting periods and extended cover
Solutions which comply with L-GAV and employment contracts
Predictable personnel costs
Easy access to individual daily benefits insurance by withdrawing employees who are Swiss residents (right of transfer)
Small business with up to five employees?
BUSINESS COMPACT provides comprehensive cover.

More information about BUSINESS COMPACT

Contact us

Would you like more information or a personal consultation? SWICA would be happy to talk to you with the aim of finding the right solution for you.

Ask for advice

Sickness report

Send us the illness report online – simply, quickly and with absolute security thanks to encrypted data transfer.


Go to the online form

What our customers have to say.

Sabina Aguilar
«This partnership helps our organisation move forward. As an SME, we work very closely with SWICA. We have illness rates that are higher than we would like and are trying to develop our occupational health management so that we can get the situation under control. My direct SWICA contact is available to provide advice practically around the clock.»
Daniel Gfeller
«Insurance consultants have a reputation for acting in their own interest and talking their customers into buying certain products. With my SWICA advisor, however, I managed to have an open, transparent and friendly conversation that helped me feel confident – the basis for a long-term partnership.»
Raffaele Genna
«I really value the great assistance and support. After a skiing accident in Austria I didn't know what kind of accident insurance cover I had. A call to SWICA later on in the evening provided the information I needed and meant that I was extremely well looked after.»