Daily allowance for loss of income

If you're ill for an extended period, you're entitled to sick pay from your employer for a short period. But the costs of rent, taxes and other obligations don't change.

SALARIA daily allowance insurance allows you to plug this financial gap and safeguard your future. Thanks to the daily allowance benefits under SALARIA, you have income to cover your living costs even after the continued payment of your salary by your employer ends.

Benefits covered by the insurance

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.

Product information: