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.

  • Daily allowance payments for loss of earnings
  • Choice of daily allowance
  • Choice of waiting period

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Your premium

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Insured benefits

With SALARIA Daily Allowance Insurance, pursuant to VVG, we reimburse the following benefits in addition to the statutory benefits under basic insurance:

You receive a daily allowance of up to CHF 18,000 per month in the event of incapacity for work due to an accident or illness.


Frequently asked questions

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. 

  • The daily allowance payments help you compensate for a loss if earnings due to illness or accident.
  • You are completely free to use the money you receive for any purpose.
  • You can choose between various daily allowance amounts (CHF 10 to CHF 600 per day, up to CHF 18,000 per month) and waiting periods (3, 7, 14, 21, 30, 60, 90, 120, 150, 180, 240, 270 or 360 days pursuant to VVG) – depending on your needs and budget.
  • You will receive a daily allowance on a pro rata basis for incapacity for work of 25% or more.

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.
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