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Documents and information for employers, employees and doctors

Good to know when employees leave a company and in the event of a claim: There are many aspects to consider when an employment relationship ends and in the event of a claim – including accident insurance and insurance for daily sickness benefits. We have compiled the most important information and documents on these subjects.

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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
  • Employers, employees and doctors are dependent on further information and documents in the event of a claim
  • In all cases, Zurich supports you with useful documents and information

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“

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 an online form to request a quote.
  • 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 (insurance by special agreement).
  • Upon termination of an employment, you can extend your existing accident insurance coverage for up to 6 months.
  • 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 with this extension with a fact sheet on this topic (Factsheets for Switzerland; Factsheets for the Principality of Liechtenstein) and a simple and quick online conclusion.
  • If you were also insured under supplementary accident insurance with your employer in addition to the mandatory LAI insurance, you can also request a transfer to individual insurance for this. Zurich supports you with an online form to request a quote.