Individual and comprehensive SME insurance

For self-employed individuals and SMEs with foresight: Whenever an employee is absent, it costs your company money and resources, and also means that your other employees have to pick up the slack. SWICA provides you with optimum cover for the financial consequences of illness and accident, and offers individual solutions for daily allowance insurance and accident insurance. Our services are rounded off by occupational health management that is perfectly tailored to your company's needs.

There are over 30'000 companies insured with SWICA who are satisfied with their cover and benefit from a comprehensive range of insurance services.

The right cover for SMEs

Find a reliable insurance solution from a single source that's right for your SME now.

As an employer, you are required by the Federal Accident Insurance Act (UVG) to insure your employees against accidents and occupational illnesses. The UVG insurer covers the statutory costs for treatment in the general ward of a hospital plus any follow-up and spa treatments. The same applies to the assumption of the cost of loss of earnings for employees who are unable to work due to an accident or occupational illness. Starting on the third day after the accident, the UVG insurer pays 80% of the salary up to a maximum of CHF 148'200.

We would be happy to provide you with individual advice.

It can be very expensive if an employee has an accident. The cost of hospital treatment, repatriation, therapy, loss of earnings, pension contributions and reintegration measures can quickly add up. The benefits paid out by compulsory accident insurance under the Accident Insurance Act (UVG) are limited. Supplementary accident insurance (UVG-Z) therefore offers additional benefits.

We would be happy to provide you with individual advice.

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.

We would be happy to provide you with individual advice.

Mandatory health insurance covers your basic needs in cases of illness, accident or maternity. With the seven alternative insurance plans from SWICA and PROVITA, you and your employees benefit from the best value for money and can save up to several hundred francs per year. The only difference between this model and a STANDARD plan is the choice of contact point. The benefits package remains the same. The basic insurance plan benefits include conventional treatments and complementary medicine, hospital stays in the general ward, emergency transport, and search and rescue operations and treatments abroad in emergencies.

We would be happy to provide you with individual advice.

The advantages for you, both professionally and personally

  • High-quality service and excellent customer satisfaction
  • Regional and professional advice
  • Tailored protection for business owners, family members and employees
  • Quick and efficient processing of benefits
  • Options for waiting periods for daily accident allowance insurance
  • Leading provider of absence and care management
  • Occupational health management (OHM)
  • Free legal advice over the phone for all insured individuals

Ask for advice today

A personalised insurance plan in a few clicks

Online premium calculator

For self-employed individuals and SMEs with up to five employees, SWICA offers a quick and straightforward online premium calculator. You can choose the right product for you online now, or quickly and conveniently customise one to your needs. With the premium calculator you always have a clear overview of the financial advantages.

Use the online calculator now

Do you have an SME with more than five employees? Contact us by phone or by completing the form below. We would be happy to advise you personally so that we can find the best solution for you.

Ask for advice today

Improved employee satisfaction and loyalty thanks to occupational health management

Healthy and balanced employees boost your company's success as a business, which is why SWICA's occupational health management (OHM) aims to prevent absenteeism and presenteeism, strengthen employees' potential for health and improve their wellbeing. The OHM programme combines all available measures to prevent and reduce absences due to illness or accident. It is an ideal supplement to collective daily sickness allowance insurance and accident insurance.

We would be happy to provide you with individual advice.

Personal advice

Would you like more information or a personal consultation? SWICA would be happy to speak with you personally in order to find the right solution to suit your needs. Call us on 0800 80 90 82 or send us a message using the contact form below.

Personal details
Company details

* Compulsory field

This may also be of interest to you

With SWICA's business blog, you're always well informed

Are you interested in engaging articles about SWICA's products and services for companies? SWICA's business blog contains interesting articles about what SWICA can offer companies. These articles address current topics in the five areas of health management, insurance, catering, brokerage and best practice. Subscribe to our newsletter and receive the latest articles conveniently delivered straight to your inbox.

To the business blog (in German)   Subscribe to the newsletter


Current articles