Daily sickness benefit insurance for employees

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)

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, 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)

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.

Calculate online now

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. Call us on 0800 80 90 80 or send us a message using the contact form below.

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.

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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Charilaos Tsarouchas
«The customer support is just great. Always very professional and on the same time very friendly. Any medical consultations I get over phone give me the impression that the people, nurses and doctors involved know well their topic and provide support with a nice human touch. Moreover any time I have some administrative question or request the reply or resolution is prompt, which is rare. SWICA, thanks again for the great customer support, keep on!»
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