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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

Daily sickness benefits insurance

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 (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)



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.

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What our customers have to say. 

«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.»

SWICA Bewertung 5

– Sabina Aguilar, Tschantré AG –

«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.»

SWICA Bewertung 4

– Daniel Gfeller –

«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.»

SWICA Bewertung 5

– Raffaele Genna –