AT A GLANCE
- Daily sickness benefits insurance covers the loss of earnings if an individual is unable to work due to illness and/or maternity leave.
- Compulsory accident insurance covers the risks of occupational accidents, non-occupational accidents and occupational illnesses.
- Supplementary accident insurance closes gaps and removes any restrictions that apply under the compulsory accident insurance (Swiss Accident Insurance Act (UVG)).
Insurance cover is provided in the event of illness and accidents, with various social and private insurance schemes liable to pay benefits in such cases. The statutory obligation regarding the continued payment of employee salaries can be replaced by daily sickness benefit insurance. Compulsory accident insurance provides the statutory benefits set out in the Swiss Accident Insurance Act, while supplementary UVG insurance provides additional coverage such as a privately insured stay in hospital. The range of accident and health insurance products on offer also includes business travel insurance and visitor accident insurance. The scope of cover varies depending on the company and industry involved. Collective health and employee insurance schemes are popular as fringe benefits.
WE ADVISE YOU
Our team of around 40 specialists is on hand to help you rise to the challenges you face. The accident and health insurance market is highly competitive – particularly in the daily sickness benefits segment. With premiums continuing to rise and the market becoming increasingly concentrated, it is worth looking into alternative solutions. As recognized social security experts with many years of experience, we can answer all practical questions relating to payroll and HR, explore the savings potential available at various levels and define suitable measures to optimize processes. Thanks to interdisciplinary collaboration in-house, including with our HR Risk Management team, we can examine all aspects and find the best solution for you.