Insurance solutions for startups

Startup

Lots of new things, lots of risks, lots of work: at no point in a company's history is there so much excitement as in its early days. This is a time when company founders have really specific needs – not least where their insurance is concerned. That's why we've devised the Helsana Startup package for new firms in their first year of existence. It adapts itself to your needs and offers you many advantages.

Your insurance obligations

Which insurance you need depends on whether you're self-employed, employ others, or are yourself employed by your (public or private) company. People who work for themselves enjoy plenty of freedom. Find out here which insurance obligations you have as an independent contractor.

If you're an employer, you're obliged to insure your employees against accidents. Whether to insure for daily sickness allowances is, however, up to you.

Insurance obligations and options for employers

Startup Versicherungspflicht mit Angestellten

Legende Blau Compulsory insurance obligation
Legende Hellblau Compulsory legal duty which can be covered (replaced) by insurance
Legende Gruen Voluntary insurance option
Legende Ecru Responsibility of the employee

If you work for a public or private company or employ other people yourself, your needs are the same as those of an SME.

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Our offer

We advise startups to take out not just accident insurance (which they have to do), but daily sickness allowance insurance too. This combination gives your firm and its workers all-round protection against the financial fallout that can result from illness or accident. We've bundled both of them together into a single package for you.

Helsana offering for businesses

Startup Versicherungangebot mit Angestellten

Legende Rot Helsana offering for businesses
Accident

Compulsory accident insurance (UVG) gives you and your employees only the legally required minimum of protection against the financial consequences of an accident or occupational illness. Take out supplementary accident insurance, and you get more insurance benefits and can offer your employees some attractive extras too.

Insurance obligations and options in the event of an accident

KMU Details zu Unfall

Legende Blau Compulsory insurance obligation
Legende Hellblau Voluntary insurance option

While the benefits under compulsory accident insurance (UVG) are fixed, employers can decide for themselves what the benefits under voluntary supplementary accident insurance should be. Example: Employees who have had an accident continue to receive 80% of their pay under compulsory accident insurance; you can take out voluntary insurance to cover the shortfall.

Compulsory accident insurance

The benefits from the accident insurance (UVG) required by law cover the treatment of those affected as an outpatient or as an inpatient on a general (multi-bed) hospital ward. The insurance also covers 80% of their wages in the medium term, and pensions equivalent to 80% of their insured income in the longer term. The maximum insurable salary is CHF 148,200, and employees who earn more than that have to expect to lose out more financially.

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Supplementary accident insurance

By taking out supplementary accident insurance, you can give any employees who have fallen ill or had an accident more support than the law requires – not only by continuing to pay them their full salary, but also by enabling them to be treated in a semi-private or private hospital ward or arranging for the paying out of lump sums in the event of disability or death. The choice of benefits is entirely yours, and you can also combine them as you wish. The better the benefits, the clearer your profile as an employer people will be keen to work for.

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Illness

Unlike accident insurance, which is compulsory, taking out daily sickness allowance insurance is voluntary. You are, however, obliged to carry on paying the wages of any employees who have fallen ill or had an accident. How long this obligation lasts depends on seniority and region. That's why businesses find that taking out daily sickness allowance insurance pays off.

Helsana Business Salary daily sickness allowance takes over from firms the obligation to pay continuing wages up to the point where social insurance may start paying out. That means the employees are better off, while their employer benefits from the predictability of the costs involved.

Insurance obligations and options in the event of illness

Details zu Krankheit
Legende Gruen Compulsory insurance obligation or obligation to continue salary payments
Legende Hellgruen Voluntary insurance option

What you have to think about when taking out daily sickness allowance insurance:

Waiting period

You decide for yourself when the insurance benefits kick in. During this waiting period, you, as an employer, are still obliged to keep on paying the employee's wages. So a longer waiting period is more financially risky and means you need a bigger financial buffer. There again, you do save on premiums.

And it's worth remembering that shorter illnesses happen more often than longer ones.

Amount of benefits

The amount of the benefits determines just what proportion of their wages employees receive when they're ill. The proportion is very often 80%. It's assumed that employees can cope with this sort of reduction in income. This proportion is also the most that the employer is obliged to continue to pay as wages, so the insurance benefit is recognised as equivalent. Lower benefits mean cheaper premiums. You should ask yourself, though, whether all your employees can cope with the loss of 20% of their income.

Groups of persons

Lots of firms have a diverse workforce. Their risks and their needs for security are just as varied. That's when it makes sense to split your employees into groups of persons with different fringe benefits.

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Advantages of the Helsana Startup package

Helping you get started

You'll get a 25% discount on premiums in the first three years. During that time, your premium will remain unchanged.

Full cover

If a claim is made in the first three years, we'll pay the full wages of management as agreed, without asking for evidence of income.

Continuity

You insure a fixed amount for the eventuality of loss of sales as a result of illness or accident. That means your fixed costs are covered and your business keeps going.

The exclusive pension and insurance package

With “Swiss Life Business Direct”, startups get a comprehensive pension solution. Together with our cooperation partner, Swiss Life, we can offer you occupational pensions, compulsory accident insurance and collective daily sickness allowance in one package. You can quickly and easily take out the product online. Find out more here.

We believe in your future success!

We'll analyse your situation and your needs and sit down with you to work out the best possible solutions together.

Request an insurance consultation