Daily allowance insurance

A valuable safety net in the event of work incapacity

If you are unable to work due to illness, you will receive your salary for a limited period of time. But what happens after that? If your employer has not taken out group daily allowance insurance, you will have no income until you receive your occupational pension benefits (LPP/BVG) or a disability pension (AI/IV). Our insurance aims to bridge the income gap.
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Make up for lost income, even if you are partially unable to work

You choose the amount and duration of daily benefits when you sign the contract.
You decide when benefits are paid in the event of incapacity for work. You choose the waiting period (from 10 to 360 days).
You will receive daily allowance benefits even in the event of partial incapacity for work.

Here’s how the insurance works

You can apply for this insurance up to the age of 54. It covers illness (you can add accident cover if you wish, particularly if you are self-employed).

You receive benefits if you are 25% (1/4) incapacitated for work.
The daily benefit is allocated in proportion to the degree of incapacity for work.
You choose the duration of daily benefit payments, whether 365, 730 or 1,095 days.