With Helvetia's daily sickness benefit insurance, you secure the continued payment of your employees' wages if they are absent for a longer period due to illness.
When employees become ill, the employer has a statutory duty to continue paying the employee’s wages for a limited period of time. However: A continuation of wage payments beyond this time limit is included in many collective labour agreements – and this is very well covered by the daily sickness benefits insurance of Helvetia.
Helvetia offers you an insurance solution for the continued payment of wages in case of illness that is tailored to your needs. The insurance can be concluded for your employees as well as for you as the company owner. We recommend that you coordinate the benefits with those of your occupational benefit scheme (LOB). In terms of costs, this allows you to realise premium benefits and in case of an insured event, the benefits are paid in a coordinated manner.
Helvetia knows what is important for a business, so the daily sickness benefits insurance causes almost no administrative work – even in the case of changes in staff, registration formalities are not required. Depending of the type of insurance you have chosen, 730 days of sickness benefits are insured per case or 720 days within a period of 900 days. The fair premiums are based on the risk and the claims history and can be influenced by the free choice of the deferral period. And another advantage: A good claims history is rewarded with a profit bonus.