The length of time over which you have to keep on paying a sick employee's wages varies from region to region and depends on the length of time they have been working for you.
That's why it's difficult for businesses to estimate the financial risk presented by employees being absent for considerable periods of time because of illness. Take out Helsana Business Salary daily sickness allowance insurance, and you can turn this incalculable risk into calculable costs. You pay the premiums, and we handle the continuing wages payments until any benefits from social insurance kick in. Moreover, with Helsana Business Salary, you can offer the employees concerned more financial security than is required by law. By doing that, you're showing yourself to be an employer people will want to work for.
Situation without daily sickness allowance insurance
Benefits from last salary in % (AHV salary)
|Obligation to continue salary payments pursuant to OR (payable by the employer)|
|Coverage gap (payable by the employee)|
|Social security benefits|
The absence of daily sickness allowance insurance results in painful gaps in cover.