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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? SWICA has compiled a list of answers for you and is available to answer any further questions you may have.

FAQ and further information for companies Services and offers for your health


Further up-to-date information on the coronavirus is available here:

Information website of the Swiss Federal Office of Public Health (FOPH)
Cantonal points of contact

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.»
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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.»
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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.»
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