Daily sickness benefits insurance

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.

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 (benefit management, specialists clarifications, 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)

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The convenient solution for small businesses

There is now a fast, convenient and cost-effective online insurance solution available for freelancers and small companies with up to five employees. Whether it's daily allowance insurance, accident insurance, supplementary accident insurance or your private health insurance, you get it all in a single package. You can choose the right product for you online now, or quickly and conveniently customise one to your needs. And the premium calculator helps you keep a constant eye on your financial advantages.