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Key points at a glance
- Employers are required to continue salary payments if their employee gets sick. Daily sickness benefits insurance makes these payments after the waiting period has passed.
- Self-employed persons can insure their income against accident and illness-related absences.
- Employees continue to receive their salary and are financially secure if they are unable to work due to illness.
Who should have daily sickness benefits insurance?
In Switzerland, daily sickness benefits insurance is not required by law but it is recommended for employers and the self-employed. It protects you against financial losses if you or your employees are unable to work for a longer period of time and ensures that salaries continue to be paid.
Why is it recommended to have daily sickness benefits insurance?
Professional benefits management
AXA is a tried-and-tested specialist in the field that can help the employees of its customers when a claim is made. Our care and case managers can support your employees in challenging situations. This means as the employer, you are never alone.
Financial relief for employers
Daily sickness benefits insurance saves your company from the financial consequences that can arise if your staff become unfit for work due to illness and you are required to continue their salary payments. AXA relieves you of this risk and pays for the salary costs following the expiry of the waiting period agreed by you.
Financial security for employees
It’s rarely possible to predict when an employee is going to become severely ill, and the employer’s daily benefit insurance is a boon in serious cases. It covers your employees for longer than the minimum legally required continuation of salary payments in accordance with Art. 324a of the Swiss Code of Obligations and means you don’t have to worry about whether your business can survive. Daily benefits insurance that exceeds the minimum statutory benefits can also provide attractive advantages for employers. In practice, employees and employers share the premiums equally.
Protection for the self-employed
As neither accident insurance nor daily benefits insurance is mandatory for self-employed persons in Switzerland, the risk of loss of earnings is particularly high for them. AXA enables those without employment contracts to buy complete coverage by taking out daily sickness benefits insurance in combination with daily accident benefits.
Support and FAQs
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Is daily sickness benefits insurance mandatory?
No. Although it is voluntary, this insurance makes sense in nearly every case because daily sickness benefits insurance provides security for both employers and employees. What’s more, group daily sickness benefits insurance is the absolute gold standard in times when a shortage of qualified staff means employers need to be highly attractive.
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Who pays the daily sickness benefits insurance premium?
Employers are usually responsible for paying it, 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 . And the employer must pay half to postpone the BVG/OPA disability pension waiting period so that the BVG/OPA waiting period and benefits period for daily sickness benefits insurance can be smoothly coordinated with one another.
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How long is the statutory entitlement to salary in the event of incapacity for work (without daily sickness benefits insurance)?
That depends on the length of the employment relationship and on which table is used – the Basel, Zurich or Bern table (in German).
