Products

Daily Allowance Insurance

Daily Allowance Insurance relieves employers of the obligation to continue paying wages when employees are ill or have accidents. A supplement to the maternity indemnity according to the federal law on compensation for loss of income (EOG/LAPG) can also be included. With Daily Allowance Insurance, even unexpected costs remain calculable.

Daily Allowance Insurance can be widely adapted to the needs of the individual company.

Type of insurance	Percentage Daily Allowance Insurance The allowance is set as a percentage of the AVH/AVS annual salary.
Insurable risks	Illness Accident Maternity benefit as a supplement to maternity indemnity according to the Federal Law on Compensation for Loss of Income (EOG/LAPG) Supplement from 80 (as per the EOG/LAPG) to 90 or 100 % (duration of benefit: 98 days) Supplementary Insurance: duration of benefit extended from 98 (as per the EOG/LAPG) to 112 days Surplus insurance for annual wages in excess of CHF 88,200
Surplus sharing	Beginning at yearly premiums of CHF 7,500
Amount of insurance benefits	As a rule, 80 % of the wages that are subject to AVH/AVS (90 or 100 % is also possible)
Waiting period	Illness/accident: Waiting period adapted to meet your needs either per insurance case or once in a period of 365 days Childbirth allowance Waiting periods adapted to meet your needs
Duration of benefits	Illness/accident: 730 or 365 days minus the waiting time
End of insurance	Upon reaching the age to receive Old-age and Survivors’ Insurance benefits (AHV/AVS)
Right to transfer into the individual insurance	Transferring to individual insurance is possible within 3 months after leaving a collective insurance plan.

For these reasons, CONCORDIA Daily Allowance Insurance scores points:

Payment of benefits already starting at a 25 % inability to work
Benefits coordinated with the federal law on employee old-age survivor's and workmen's compensation insurance
Surplus sharing

Brochure

Daily Allowance (PDF 344 KB)

Contact

Consultation