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Incapacity to work: costs covered by Sanitas

Incapacity to work

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.

Who is daily benefits insurance suitable for?

Daily benefits insurance is voluntary and can be taken out for accident, illness or pregnancy. This plan is suitable for you if:

  • You are insured through your employer for a period of less than two years.
  • You work on a part-time basis with a low quota
  • You are self-employed
  • You are a housewife/house husband

Voluntary daily benefits insurance pursuant to HIA

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 HIA.

Key benefits

  • Benefits for up to 720 days within a period of 900 days
  • From an incapacity to work of 50% and above
  • For maternity: daily benefits for 16 weeks

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.

Voluntary daily benefits insurance pursuant to IPA

The Salary daily benefits insurance is a supplementary insurance plan pursuant to IPA. It covers earnings or income lost as a result of incapacity to work due to accident or illness. You can choose the waiting period for the daily benefits to decide how long you wait until the first payout.
 

Key benefits

  • Daily benefits of up to CHF 500 per day for up to 720 days within a period of 900 days
  • From an incapacity to work of 50% and above
  • Contribution towards home help expenses if the person running a household is incapacitated


You can choose the waiting period for the daily benefits to decide how long you wait until the first payout.

Salary
Protection against loss of earnings
Case Management
Support in the event of illness and accident