Coronavirus: all important information for corporate customers

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The situation in Switzerland and abroad is constantly changing. What do I need to know? Answers to burning questions.

Daily sickness benefits

In which cases are daily sickness benefits paid in relation to the coronavirus?

Daily sickness benefits are paid when someone falls ill with the coronavirus or is treated as a suspected case because of an attack of the flu and has been confirmed by a doctor to be incapacitated for work. Daily sickness benefits are paid in accordance with the applicable insurance coverage and medical certificates. Contrary to the deadlines stipulated under the General Insurance Conditions (GIC), the following regulations will temporarily apply until the end of April 2020:

  • No later than 14 days after the onset of the incapacity to work, the insured person must consult a doctor who will ensure that appropriate treatment is provided.
  • The deadline for the submission of medical certificates following notification of illness is also to be extended to 14 days.

In which cases are no daily sickness benefits paid in relation to the coronavirus?

If there is no event entitling a person to benefits, daily sickness benefits are not paid. This is the case if:

  1. Employees are under quarantine as a preventive measure. This applies regardless whether the quarantine is ordered by the employer or the authorities.
  2. Employees are prevented from working because their place of employment is temporarily closed by order of the authorities (such as schools or shopping centres).
  3. Employees are prevented from working owing to official restrictions on mobility (such as the cancellation of train or flight traffic, ban on leaving or entering the country).
  4. The authorities announce a state of emergency.
  5. Employees are no longer allowed to work as they are classified as individuals at risk.

My company has applied for short-time work. What effect does this have on the daily sickness benefits?

The unemployment insurance (ALV) pays short-time work allowances for working hours that are lost for economic reasons. This only applies for employees. The loss of working hours has to be at least 10% and has to be confirmed in writing by the employee.

  1. What changes for employees who were already incapacitated for work before short-time work started? Nothing changes in such cases. They are not entitled to register for a short-time work allowance. Daily benefits are paid on the basis of incapacity for work as confirmed by a doctor.
  2. What happens if an employee falls ill (incapacity for work confirmed by a doctor) while drawing a short-time work allowance from the ALV? As the employee cannot work if incapacity for work has been confirmed by a doctor, the claim to a short-time work allowance lapses. The employer is obliged to continue paying the salary and can register the incapacity for work with the daily sickness benefits insurance after expiry of the waiting period. The full AHV gross salary remains the basis for calculation of the daily sickness benefits.

Corona hotlines for corporate customers

Do you have any legal questions?

Should they have any legal questions, Helsana corporate customers can now make use of the free initial telephone consultation offered by Helsana Rechtsschutz AG. Simply give us a call on

+41 62 832 31 00

from Monday to Friday between 8 a.m. and 6 p.m.

We will be happy to advise you on all legal issues relating to personnel – with respect to topics such as short-time working, employment law, compensation, debt enforcement law and travel law. We will resolve most issues within 30 minutes. Should your case require more time, we will show you other options and help you to find the right partners.

Do you have medical questions about the coronavirus?

Helsana corporate customers can now make use of the free medical hotline. Should you have any questions, occupational health professions will be happy to help you. Simply call us on

+41 58 900 76 88

from Monday to Friday between 8 a.m. and 10 a.m. and between 1 p.m. and 3 p.m.

Occupational illness

Can coronavirus infections qualify as an occupational illness?

Coronavirus infections contracted because of direct contact with the virus while working for a hospital or laboratory can be notified as an occupational illness. Such cases will be forwarded to Suva’s Occupational Medicine department for an assessment of the duty to provide benefits.

If a coronavirus infection qualifies as an occupational illness, Helsana will pay the statutory benefits under accident insurance. As such, it will pay the medical expenses and provide daily sickness benefits for virus-related incapacity for work as confirmed by a doctor.

Can coronavirus infections also be reported as an occupational illness for employees at old people’s and nursing homes or Spitex organisations?

If employees in these occupational groups are exposed to an increased risk when supporting or caring for infected individuals, coronavirus infections can be reported as an occupational illness. The circumstances in the individual case are decisive and these are examined accordingly.

Can a coronavirus infection be reported as an occupational illness for other employees, for example those working in sales or as a cleaner?

No. In such cases, an occupational illness cannot be recognised for individuals whose work is not based on the provision of support to infected persons.

If coronavirus tests are carried out on several people due to a suspected case, how do I report the payment of costs?

Provided the group category is recognised by the Federal Accident Insurance Act (UVG), for example groups comprising hospital or laboratory employees, and the tests are conducted due to a suspected case, you can report a collective case to us using an Excel list. Please send us the Excel document including your company's details and the personal details of the individuals affected.

Can you influence the invoicing process? In this case, send the invoices for the tests in the form of a collective invoice together with the Excel list.

What happens if a suspected case is confirmed?

In this case, we require a regular case report via SUNETPlus or SUNETOnline.

Continued salary payment

When does the employer have to continue paying the salary?

Does the employer have to continue paying the salary if employees are prevented from working because of precautionary measures relating to the coronavirus?

For questions such as these, Helsana corporate customers can now make use of the free telephone legal advice offered by Helsana Rechtsschutz AG. Simply give us a call on:

+41 62 832 31 00, from Monday to Friday between 8 a.m. and 6 p.m.

We will be happy to advise you on all legal issues relating to personnel – with respect to topics such as short-time working, general employment law, compensation, debt enforcement law and travel law. We will resolve most issues within 30 minutes. Should your case require more time, we will show you other options and help you to find the right partners.

Payroll declaration

We are moving the payroll declaration deadline for our corporate customers to 18 May 2020. Should you have any questions, your advisor will be happy to help you by phone or via e-mail.

Further information

Further tips can be found in the Helsana blog facts and tips on coronavirus

General information from the FOPH

Questions and answers

Short-time working and compensation for loss of earnings