Daily allowance insurance at a glance
As an employer, you are obliged by art. 324a of the Swiss Code of Obligations to continue salary payments even during illness-related absences of up to six months, depending on the canton and duration of employment. With daily allowance insurance from Visana, you not only bridge this period reliably, but also ensure greater certainty and predictability.
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Transfer of obligation to pay salary in the event of illness (daily allowance)
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Individually selectable indemnity period and scope of cover, e.g. 80% or 100% of gross salary
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Attractive premium calculation, based on sector, company size and staff structure
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Daily allowance is paid either to the employer or directly to the person who has fallen ill, as preferred
Comparison of daily allowance insurance’s three benefit types
Compare the scope of our benefit types and find the optimal solution for your company.
| Benefit type A | Benefit type B | Benefit type C | |
|---|---|---|---|
| Basis of indemnity period | As per OPA/BVG (coordinated) | Extended indemnity period, not coordinated with OPA/BVG | Within 900 calendar days |
| Start of indemnity period | From first day of medically certified incapacity to work, max. 5 days retroactively | From at least 50% incapacity to work, max. 5 days retroactively | From at least 25% incapacity to work, max. 5 days retroactively |
| Maximum indemnity period | 730 days per insured incident | Contractually stipulated duration per case | Full 900-day period |
| Start of waiting period | From at least 25% incapacity to work, max. 5 days retroactively | From at least 50% incapacity to work, max. 5 days retroactively | From at least 25% incapacity to work, max. 5 days retroactively |
| Minimum degree of incapacity to work | 25% | 50% | 25% |
| Calculation of waiting period upon partial incapacity to work | Days count in full | Days count proportionately | Days count in full |
| Coordination with other social insurance | Yes, supplementation up to insured benefit | Yes, up to actual loss of earnings | Yes, up to actual loss of earnings |
| Deferred benefit payment upon end of contract | Yes, until indemnity period expires or invalidity pension starts | Yes, until indemnity period expires or invalidity pension starts | Yes, while incapacity to work persists, max. until invalidity pension starts or indemnity period expires |
As per GCI DA 2021
How Visana daily allowance insurance works
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The person concerned undergoes a medical examination. Medical certification of at least 25% incapacity to work (or 50% with benefit type B) is a prerequisite for benefits.
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You or the person concerned can report easily and digitally, using our online form. Reporting must occur no later than two to four weeks after the onset of incapacity to work, depending on the waiting period.
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Our specialists assess the entitlement, request additional documents such as medical certificates, if necessary, and coordinate with other insurers.
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After expiry of the waiting period, the agreed daily allowance is paid directly to you or your staff – either in full or proportionately, depending on the degree of incapacity to work.
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If appropriate, we support you with additional services, such as case management or integration advice – for a quick and sustainable return to working life.
Your advantages with DA insurance
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Security in your financial planning
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Individually selectable scope of cover
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Reduced administrative burden in the event of a claim
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Fair premiums based on risk profile
We will gladly take time to give you a completely non-binding explanation of the advantages and details of daily allowance insurance.
Useful services for you
Cleverly insured, for all-round care. These services assist you:
Report cases of illness easily and efficiently, using our digital tools BBTClaims (for companies with up to 100 staff) or Sunetplus (for companies with more than 100 staff). You thus ensure that staff get prompt support in critical situations.
Insurance that complements this product optimally
Frequently asked questions about daily allowance insurance
Daily allowance insurance protects companies from the financial consequences of prolonged staff absences due to illness. Depending on the respective contract, it covers either part or all of the continued payment of salary required by law.
No, it is voluntary. Art. 324a of the Swiss Code of Obligations obliges employers to continue paying salary, but does not oblige them to take out daily allowance insurance. However, it is standard industry practice to do so and is advisable.
When a certain degree of medically certified incapacity to work has been reached (at least 25% or 50%, depending on the contract) , and once the contractually agreed waiting period has ended, Visana pays daily allowance to your company or directly to the person concerned, depending on what has been agreed.
The insured daily allowance is usually 80% or 100% of the salary subject to OASI, depending on the chosen scope of cover. The maximum indemnity period and waiting period can be chosen individually.
Yes, if certain prerequisites are met: Insured persons domiciled in Switzerland can switch to individual insurance when they withdraw from the collective contract and without having to undergo a new medical examination as long as they apply for the switch in writing within three months.
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Conditions of insurance
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