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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.
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.
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.
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.
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.
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.
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.
That depends on the length of the employment relationship and on which table is used – the Basel, Zurich or Bern table (in German).
