SALARIA Daily Allowance Insurance provides financial support in case of prolonged incapacity for work following an accident or illness. The payments offset the loss of earnings, safeguard your future and protect your savings.
With SALARIA Daily Allowance Insurance, pursuant to VVG, we reimburse the following benefits in addition to the statutory benefits under basic insurance:
You enjoy daily allowance payments in addition to social insurance. This also includes voluntary daily allowance insurance pursuant to KVG and insurance pursuant to BVG.
In the event of proven loss of earnings, you receive a daily allowance up to the overcompensation limit (amount of the daily allowance insured with SALARIA) as soon as the agreed waiting period (3, 7, 14, 21, 30, 60, 90, 120, 150, 180, 240, 270 or 360 days pursuant to VVG) has expired. You determine the duration of daily allowance payment and the daily allowance amount (CHF 10 to CHF 600 per day, up to CHF 18,000 per month) when you take out the policy.
Basic insurance does not cover any costs. Employees or self-employed persons who are incapacitated for work receive no financial support for loss of earnings.
If you are unable to work for a long period following an accident or due to illness, you face a loss of income. As a rule, employers are subject to an obligation to continue to pay wages. The duration of continued pay varies depending on the canton and the number of years of service. The employer's obligation to continue to pay wages is often replaced by an equivalent daily sickness benefits insurance policy. As an employee, you will generally receive 80% of your lost income for a maximum of 720 days if you suffer at least 25% incapacity for work. As a self-employed person, you will not receive any financial compensation in the event of a loss of earnings and will therefore earn nothing at all.
Helsana 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, without using up all your savings.
You can take out this insurance if you meet the following conditions:
The minimum term is one year. The contract is automatically renewed each year on the expiry date for a further year.
You can cancel the insurance with effect from 31 December of each year and switch to another health insurance company in Switzerland. Three months' notice of cancellation must be given. Notice of cancellation must reach us by no later than the last working day in September. If the insurance premium changes, a one-month notice period applies. In this case, notice of cancellation must reach us by no later than the last working day in November.
The waiting period is the time between the date of an accident or initial diagnosis of illness and the date from which you are able to claim benefits.
For SALARIA Daily Allowance Insurance, the waiting period selected by you when you took out the policy applies (3, 7, 14, 21, 30, 60, 90, 120, 150, 180, 240, 270 or 360 days pursuant to VVG). If, for example, you have opted for a waiting period of 180 days, i.e. six months, you will receive the first daily allowance payment after this period. As a prerequisite, a doctor must confirm your incapacity for work in advance.
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