SME insurance at a glance
Visana SME smart is a simple and transparent insurance solution. These products are specially tailored to the needs of SMEs and can only be taken out in combination with daily allowance insurance, or with accident insurance as per AIA/UVG.
Your possibilities with SME smart:
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Flexibly combinable insurance components
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Sector-specific calculation of premiums
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Premiums guaranteed for three years
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Surplus participation if the annual premium is CHF 10,000 or above
The three components of SME insurance in detail
Daily allowance (DA) insurance covers your risk of having to continue salary payments during illness-related incapacity to work.
Your ‘smart’ advantages:
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Certainty for your budget planning, thanks to a three-year premium guarantee
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Surplus participation if the premium is CHF 10,000 or above and the claims history is favourable
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Flexible waiting periods and selectable indemnity periods
Compulsory accident insurance as per AIA/UVG covers your staff for occupational and non-occupational accidents, as well as occupational illnesses.
Your ‘smart’ advantages:
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Ideal in combination with DA and AIA/UVG top-up insurance – all from a single source
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High-quality service and fast benefit processing
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Transparent calculation of premiums
Extend statutory accident cover to suit your needs.
Your ‘smart’ advantages:
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Tailored supplement to compulsory accident insurance
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Freely selectable benefits: hospital top-up, lump-sum benefits and more
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Optimal coverage concept for your company
SME insurance from Visana is as simple as this:
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Together, we determine which insurance components make sense for your SME.
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You choose the desired components – individually or in combination. Additional benefits can also be added later.
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We prepare a tailored quote for you, with transparent calculations based on your sector and payroll.
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Premiums guaranteed for three years and comprehensive protection for your company.
Your advantages with SME smart
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Less administrative work, thanks to digital tools like BBTClaims and Sunetplus
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Modular structure: insurance that can be adapted at any time to suit your company’s development
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A single contact partner for all insurance matters: saves time and simplifies communication
Our experts will gladly take time to show you which insurance makes sense for your company.
Useful services for you
Cleverly insured, optimally supported. These services assist you:
Be it an occupational or non-occupational accident, simply send us your report digitally via BBTClaims (for companies with up to 100 staff) or Sunetplus (for companies with more than 100 staff). This allows the benefit claim to be assessed and processed quickly.
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 Visana SME smart
Visana SME smart is designed for small to medium-sized enterprises with a payroll of up to one million Swiss francs. It is ideal for companies seeking a simple and transparent insurance solution with guaranteed premiums.
Accident insurance as per AIA and occupational pension provision as per OPA are compulsory. Daily allowance insurance is voluntary but advisable in view of your obligation as an employer to continue paying salary in the event of illness.
No. You can choose whichever components you wish – one at a time or in any combination. Each component offers you all the SME smart advantages, such as the three-year premium guarantee.
Your premiums remain unchanged for three years. This gives you planning security for your budget and protects you from unexpected additional costs.
If your annual premium is CHF 10,000 or more, you share in the profit, because if you then have a favourable claims history, you receive a surplus participation payment – so you benefit directly from good risk behaviour.
A switch is usually possible. We will be happy to advise you on whether SME smart is the optimal solution for your company.