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SALARIA Daily Allowance Insurance (VVG)

SALARIA Daily Allowance Insurance supports you financially if you are unable to work for an extended period due to an accident or illness and you are faced with a loss of income. In such cases, employees often earn only a minimum amount, and self-employed people nothing at all.

SALARIA allows you to compensate for this loss of income: the daily allowance payments cover your living costs, safeguard your future and protect your savings.

Financial security in the event of incapacity to work due to illness or accident.

Insurance benefits

The following insurance benefits are provided by SALARIA Daily Allowance Insurance pursuant to VVG in addition to those provided under statutory basic insurance:

Daily allowance for loss of income Agreed daily benefits

The daily allowances are provided subsequently to benefits under social insurance – including voluntary daily allowance insurance as stipulated by the Health Insurance Act (KVG) – and insurance policies pursuant to the Occupational Retirement, Survivors' and Disability Pensions Act (BVG).

If you can prove that you have suffered a loss of income, you can claim a daily allowance of a pre-selected amount, once the agreed waiting period is over. You select the length of time during which the daily allowance is to be paid when you take out the insurance.


  • You have a degree of incapacity of at least 25%.
  • Your medical provider has issued a certificate confirming your incapacity.
  • You can prove that you have suffered a loss of income.
  • You notify your Helsana Group health insurer of your incapacity within the periods specified in the Insurance Conditions. If you do not do this, you cannot claim benefits for the period before the date on which you notify us of your incapacity.
What does basic insurance cover?

Costs are not covered by basic insurance. Insured persons must bear the loss of earnings themselves if they are unable to work.

Details about basic insurance >

Calculate premium / request quote

Select your desired insurance cover. You can then request a quote or conclude the insurance directly online.

Premium calculator


Answers to frequently asked questions about SALARIA Daily Allowance Insurance (VVG):

Why do I need loss of earnings insurance?

If you are unable to work for a long period following an accident or illness, you face a loss of income. As an employee, you only receive a minimal salary from your employer. As a self-employed person, you earn nothing at all. However, you still have to pay your bills.

SALARIA Daily Allowance Insurance allows you to compensate for this loss of income: the daily allowance payments ensure you still have an income to cover your living costs and safeguard your future.

What are the advantages of SALARIA Daily Allowance Insurance pursuant to VVG?
  • The daily allowance payments help you compensate for a loss of earnings due to illness or accident.
  • You are entirely free to use the money as you see fit.
  • You can choose between various different daily allowance amounts (from CHF 10 to CHF 600 per day, up to CHF 18,000 per month) and waiting periods – depending on your needs and your budget.
  • Your entitlement to daily allowance payments begins from a degree of incapacity to work of just 25%.
Who can take out this insurance?

You can take out this insurance if you meet the following conditions:

  • You have your official place of residence in Switzerland.
  • You are at least 16 years old when you take out the policy and have not yet reached AHV age.
  • We accept your application. For the purposes of risk assessment, we require you to fill in a health declaration.
How and when can I terminate the insurance?
  • The minimum term is one year.
  • The contract is automatically renewed each year on the expiry date for a further year.
  • You can terminate the policy on 31 December of each year, subject to three months' notice.
  • If the premium is adjusted, a shortened notice period of one month applies.
  • The insurance ceases automatically if you give up gainful employment or if the maximum period of benefits has been reached.

Details about termination >

Is there a waiting period?

The waiting period is the time between the date of the accident or initial diagnosis of the illness and the date on which you are able to claim benefits.

  • The waiting period selected when you take out the policy applies to this insurance. If you opted for 180 days, for example, you will receive the first daily allowance payment six months after the date on which a doctor confirmed your incapacity to work.