Documents for em­ploy­er and em­ployee

Good to know when employees leave a company

There are many aspects to consider when an employment relationship ends – including accident insurance and insurance for daily sickness benefits . We have compiled the most important information and documents on this subject.  

Good to know

  • As an employer, you are under various legal and contractual obligations to inform employees leaving the company about specific insurances.
  • Employees leverage their advantage to ensure that they stay optimally insured even when an employment relationship ends
  • In both cases, Zurich supports you with useful documents and supplementary materials (see Downloads)

For employers

  • As an employer, you are under various legal and contractual obligations to inform employees leaving the company about specific insurances.
  • This applies to accident insurance and insurance for daily sickness benefits
  • Zurich supports you in this with its “Employee exit form” (available under “Downloads”)

For employees

When an employment relationship ends it is important for you, as an employee, to keep hold of the insurance coverage you need in case of accident or illness. If you are not immediately moving into a new job, then as an insured person you should be aware of the following.

Insurance for daily sickness benefits
  • If you are not starting work again immediately or will be away traveling for a longer period, you can switch over to Zurich individual insurance for daily sickness benefits
  • This transfer must take place within 90 days from the date of leaving the company or after salary compensation has ended (in the case of a current claim)
  • Zurich supports you with a factsheet on this topic as well as a form to request a quote (available under “Downloads”)
  • If you choose to be self-employed then Zurich Group Daily Sickness Benefits Insurance is the right choice for you

Accident insurance
  • To stay optimally insured against the consequences of accidents when taking a break between jobs, we recommend an individual extension to the LAI insurance for non-occupational accidents
  • When the employment relationship ends, you can extend your existing insurance coverage against accidents by 180 days in total
  • This is also known as insurance by special agreement and ends automatically when you start working at least 8 hours per week again for a new employer
  • Zurich supports you in this with a factsheet on this topic as well as a form to directly take out insurance by special agreement (available under “Downloads”)

Downloads

Our advisory service

Are you ending an employment relationship and have questions about accident insurance and insurance for daily sickness benefits? We would be glad to advise you.

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