Incapacity to work due to accidents or illness can affect anyone. Thousands of people become unable to work every year and are off work for an average of three weeks. Depending on their insurance, they face smaller or larger shortfalls. The Salary daily benefits insurance plan protects you against these risks.
Salary comes into play as soon as your employer’s statutory employment provisions for illness or accident cease. You receive benefits for up to 720 days within a period of 900 days. You decide how long you want to wait until the first payout.
If you are employed, you are insured under your employer’s group daily benefits insurance or mandatory accident insurance. You continue to receive your salary. However, continuation of salary payments is regulated by law and is available for a maximum of two years.
If you are unable to work as a result of a serious illness or accident, you receive 100% of your salary from your employer. How long your salary payments continue depends on the particular circumstances and how long you’ve been employed. If you're unable to work for a longer period, the daily benefits insurance pays 80%. But only if your employer has taken out a daily benefits plan.
If you don’t have daily benefits through your employer, you ought to take out loss of earnings insurance to protect yourself against financial shortfalls. It’s even more important for the self-employed and freelancers, because their earnings stop from the first day that they can’t work.
Daily benefits insurance is voluntary and can be taken out for accident, illness or pregnancy. This plan is suitable for you if:
Under basic insurance you can include daily benefits as a voluntary benefit: for illness, accident or pregnancy. This inclusion is voluntary daily benefits insurance pursuant to
Important: For maternity, daily benefits insurance pursuant to HIA must be taken out at least 270 days before the birth.
Under basic insurance you can claim maximum daily benefits of CHF 10 per day. Higher amounts are automatically included in the daily benefits insurance pursuant to IPA. That’s why most people take out voluntary daily benefits insurance pursuant to IPA.
The Salary daily benefits insurance is a supplementary insurance plan pursuant to
You can choose the waiting period for the daily benefits to decide how long you wait until the first payout.
Our Welcome to Switzerland team will be happy to help – by phone, email or chat. We’ll help you find the right health insurance solution for you. Our experts speak German, English, French and Italian.