An illness or accident can render you unable to work for a prolonged period. This may result in a loss of income. When employees are in such situations, the employer is legally obliged to continue paying their salary, but only for a limited amount of time. With daily allowance insurance as per the Insurance Policies Act (IPA/VVG), you have the option of securing your income for up to 730 days.

With daily allowance insurance as per IPA/VVG, you are entitled to the following benefits, after expiry of the waiting period specified in the contract:

• Daily allowance from as little as 25% incapacity to work.
• If the incapacity to work is 66.66% or above, the benefits are paid at a level of 100%.
• You set the insured daily allowance yourself, between CHF 5 and CHF 685.
• You also choose the waiting period, from the following options: 0-7, 10, 14, 21, 28, 30, 60, 90, 120, 150, 180, 240, 270 and 360 days.

If you would like an overview of all benefits provided by daily allowance insurance as per IPA/VVG, please refer to our overview of benefits.

Voluntary daily allowance insurance as per the Health Insurance Act (HIA/KVG) provides benefits in the event of illness, accident or maternity. It is particularly suitable for persons who are not in employment, such as homemakers or people in training. Daily allowance insurance as per HIA/KVG helps to bridge financial gaps in the event of illness or accident. You set the daily allowance yourself, between CHF 5 and CHF 30.

With daily allowance insurance as per HIA/KVG, you are entitled to the following benefits, after expiry of the waiting period specified in the contract:

• Daily allowance in the event of at least 50% incapacity to work.
• Benefits are calculated according to the degree of incapacity to work.
• Upon at least 75% incapacity to work, V⁠i⁠s⁠a⁠n⁠a pays 100% of the daily allowance.

Possible waiting periods: 14, 21, 30, 60, 90, 120, 150, 180, 270 or 360 days. After expiry of the waiting period, your daily allowance can be paid out for 720 days.

If you would like an overview of all benefits provided by daily allowance insurance as per HIA/KVG, please refer to our overview of benefits.

Agricultural daily allowance insurance safeguards the income of people who work primarily on a farm. It cushions the financial blow if an illness or accident results in prolonged incapacity to work.

It can be supplemented by practical top-up insurance, e.g. for agricultural assistants or temporary staff.

With agricultural daily allowance insurance, you are entitled to the following benefits, after expiry of the waiting period specified in the contract:

• Daily allowance in the event of at least 25% incapacity to work.
• Benefits are calculated according to the degree of incapacity to work.
• If the incapacity to work is 66.66% or above, the benefits are paid at a level of 100%.

You choose the waiting period yourself, from the following options: 0, 3, 7, 14, 21, 30, 60, 90, 120, 150, 180, 270 or 360 days. After this period, you receive daily allowance for up to 720 days, at the contractually agreed rate. This ranges from CHF 10 to CHF 300 per day.

If you would like an overview of all benefits provided by agricultural daily allowance insurance, please refer to our overview of benefits.

Agricultural assistant insurance

If you are a farmer, and take out agricultural daily allowance insurance with a daily allowance of at least CHF 20 and a waiting period of at most 30 days, agricultural assistant insurance is automatically included. Agricultural assistant insurance provides compensation of CHF 30 per day worked by a replacement worker, for a maximum of 60 days. It thus covers part of the cost of bringing in a temporary agricultural assistant.

Temporary staff insurance

Temporary staff insurance can also be taken out to top up agricultural insurance. It insures temporary staff and day labourers who are not subject to the Accident Insurance Act (AIA/UVG), against the financial consequences of occupational accidents.

The benefits of temporary staff insurance include:

• medical costs;
• daily accident allowance of up to CHF 50;
• lump-sum invalidity benefit of CHF 50,000 with progression up to 350% (i.e.: insured sum of CHF 50,000, maximum payout of CHF 175,000);
• lump-sum death benefit of up to CHF 25,000.

For full details of the benefits provided by agricultural insurance and its top-ups, please refer to the catalogue of benefits.

If someone requires care in a nursing home, this can result in high costs over many years. The exact costs depend on the level of care required and the associated expenses in each case. If the person in need of care is not adequately insured, they or their next of kin have to cover part of the care costs themselves in such cases.

Although compulsory health insurance does cover the costs of the nursing care itself, the person concerned has to pay the costs of accommodation and board themselves. This is where nursing care daily allowance insurance comes in.

Compulsory health insurance covers most of the costs of medical treatment and care in a nursing home. However, the costs of accommodation and board are borne by the person in need of care. These can easily amount to CHF 100,000 per year and place a heavy strain on, or even exhaust, personal assets in next to no time.

When people with chronic illnesses or in need of care have to stay in institutions or wards, nursing care daily allowance insurance covers the costs that are not covered by compulsory health insurance, up to the insured daily allowance amount, which you yourself choose, from between CHF 15 and CHF 200. Here, it is worth taking precautions early: The younger the insured person, the lower the premium.

The nursing care daily allowance is paid after expiry of the 730-day waiting period, for up to 3,650 days.

Family discount: You get a 50% discount on V⁠i⁠s⁠a⁠n⁠a top-up insurance premiums for the second child and every additional child in your family who is insured with V⁠i⁠s⁠a⁠n⁠a. This discount is granted until your child turns 18.

If you would like an overview of all benefits provided by nursing care daily allowance insurance, please refer to our overview of benefits.

With hospital daily allowance insurance, you receive an agreed amount for each day of an inpatient hospital stay – regardless of the actual treatment costs. The benefit is paid for stays of at least 24 hours and is limited to a maximum of 90 days per calendar year.

You will find a complete overview of all the benefits that this product provides on the hospital daily allowance insurance page.