Group daily sickness benefits insurance
Why should you get group daily sickness benefits insurance?
- Group daily sickness benefits insurance relieves you of your obligation to continue salary payments
- This type of insurance ensures that there is no gap in coverage until IV disability or BVG benefits kick in
- Zurich's and swissdec's electronic salary declarations let you report salary data directly to Zurich – no need to fill out declaration forms
- As a Zurich client, you can take advantage of Orion’s free telephone advice on labor law.
What is the cost of a group daily sickness benefit insurance?
1,300 *
Premium in CHF
50,000
average payroll in CHF
1-9
number of employees
* This value is a calculation based on data at Zurich and is therefor indicative, without contractual or official validity.
Frequently asked questions about Group Daily Sickness Benefits Insurance
Is this insurance mandatory?
No but it is strongly recommended, as the length of time you have to continue paying a salary depends on how long the employee in question has been with your company. An employee in their first year is entitled to 21 days of continuing salary payments in accordance with the Bern Scale. This period extends every year thereafter. After 14 years of service, this period is 150 days, which could put considerable financial strain on your business if uninsured.
Who has to pay the premium?
How can I influence the premium of my insurance?
You select the coverage amount at between 80% and 100% of AHV salary, up to a maximum CHF 300,000 per year per person.
You can also influence the amount of your insurance premium by selecting a waiting period of 7, 14, 30 or 60 days.
Are non-work related illnesses/leaves/incapacities also covered?
Yes, the insurance covers the statutory obligation to continue salary payments for 14 weeks (98 days) of maternity leave.
Our advisory service
Your obligation to continue salary payments can end up costing. Protect yourself now - we would be glad to advise you.