If you are unable to work for a long period following an accident or illness, you face a loss of income. As an employee your employer only pays you a minimal salary, while as a self-employed person you earn nothing at all. 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 benefits are covered?
- For whom is this insurance recommended?
- Good to know
- Why do I need daily allowance insurance for loss of income?
What benefits are covered?
Daily allowance for loss of incomeAgreed 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.
For whom is this insurance recommended?
- Employees wishing to supplement their employer’s minimum statutory benefits in the event of incapacity to work.
- Self-employed persons wishing to cushion the impact of their loss of income in the event of incapacity to work so that they can still cover their living costs.
Good to know
Who can take out this policy?
You can take out this policy if you meet the following conditions:
- You are officially resident 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 long does the policy run?
- 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 as of 31 December each year. There is a notice period of three months.
- The insurance ceases automatically if you give up gainful employment or if the maximum period of benefits has been reached.
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 from 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.
Why do I need daily allowance insurance for loss of income?
As an employee, in the event of long-term incapacity to work 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 (VVG) allows you to bridge this financial gap and safeguard your future.