If you have an accident or fall ill and cannot work for a lengthy period, this can have serious consequences for you, your family and your budget. Daily benefits insurance protects you against financial risks.
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.
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.