Review LAA obligations and sickness daily allowances against employment commitments.
01How many people do you employ?
02What are their roles and annual salaries?
03What salary-continuation obligations apply?
Start with the essentials, explore the trade-offs, then compare written terms for your situation.
Employees in Switzerland are covered by compulsory occupational accident insurance. Non-occupational accident cover applies from at least eight hours weekly with the same employer. Sickness salary continuation and daily-allowance arrangements require a separate review. Start with employee contracts and the existing insurance schedule.
For sickness daily allowances, compare the insured salary percentage, waiting period, maximum duration, exclusions and premium sharing. Calculate how much payroll the company must finance before benefits begin. Check entrants, leavers, part-time staff and employees on extended leave.
Coordinate accident, sickness and pension benefits and document who reports a claim. Review salary declarations and coverage after hiring or changes in activity. Optional accident benefits above the statutory arrangement should have a clear purpose, such as insured salary or medical benefits, rather than merely duplicating cover.
| Option or layer | What to understand and check |
|---|---|
| Accident insurance | Statutory accident cover; check occupational and non-occupational scope. |
| Sickness allowance | Contractual salary benefits, waiting period and duration. |
| Pension risk benefits | Longer-term disability and survivors’ benefits under the pension plan. |
Ordinary sickness needs a separate salary-continuation and insurance review; do not treat it as accident cover.
Compulsory accident insurance and optional supplementary cover have different scopes.
Compare sickness waiting periods, benefit percentages, duration and admission terms.
Check employment contracts and any collective agreement before selecting cover.
Variable remuneration makes a protection percentage difficult to interpret. Eighty per cent of which income: base salary, recent commission, annual average or another policy definition? A salesperson’s household may depend on earnings that the employer has never checked against the declared insurance salary.
Read article →
A longer waiting period can make a sickness policy look attractive while shifting the first weeks of an absence onto the company. The important question is whether available cash and employment commitments can absorb that interval, especially when a replacement must be paid at the same time.
Read article →
An insurance renewal should start with the workforce as it actually exists, not last year’s employee count. Growth, remote work, changed roles and salary increases can alter the declared risk. A well-prepared census makes quotations more comparable and reduces later disagreements about what was disclosed.
Read article →Yes. A first conversation of around 20–30 minutes is free and without obligation. Any further fees are explained before you agree.
No. Tools provide information or estimates. Personal advice, underwriting, policy terms and lender approval remain necessary where applicable.
Yes. We start by understanding your existing arrangements, then compare the relevant alternatives and switching conditions.
A free first conversation. A real person. A plan for what comes next.
Book a free consultation