If your employer does not provide daily allowance insurance in the event of illness or disability, a private policy is strongly recommended, to fill the gap in your cover in case of disability.
In Switzerland, daily allowance insurance for sickness is not compulsory.
An employee should always confirm with his/her employer provides this insurance, in order to maintain salary payments in case of sickness/disability.
Please note that the obligation on the part of an employer to pay the salary of an employee who is incapacitated through sickness, is of limited duration.
Example: a salary is only legally payable for three weeks, if the employee falls ill during the first year of employment. This period increases progressively with additional years of employment.
Private insurance of a daily allowance for sickness enables you to maintain income in the event that you suffer long term illness, thereby insuring over and above the employers legal obligation
You select the formula that corresponds with your requirements for the number of days to be covered by the daily allowance (up to a maximum of 720 days) and the waiting period before the first payment is required.
The MyProject specialists will advise you on the insurance solution that is best suited to your needs, and will reply to all your questions about your daily allowance insurance.