No. Although it is voluntary, this insurance makes sense in nearly every case, particularly for companies with long-standing employment relationships and high monthly salary costs.
Employers are usually liable for the contribution, but in practice employees pay up to 50 percent because if they become seriously ill, they have much better protection with voluntary daily benefits insurance .
That depends on the length of the employment relationship and on which table is used: the Basel, Zurich or Bern table. It is a maximum of 46 weeks for a lifetime period of employment, and approximately three months for employment relationships of between five and ten years.
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