Daily Sickness Allowance Insurance 2026
Protect yourself from income loss during prolonged illness. The optimal protection for self-employed individuals and employers.
Guaranteed salary continuation – even during long illnesses
Who pays your salary if you are absent for months due to illness? Many underestimate the statutory obligation to continue paying wages, which often ends after just a few weeks. A daily sickness allowance insurance (KTG) closes this dangerous gap and typically pays 80% of the wage for a period of up to 720 days. It is vital for survival, especially for the self-employed, who often have no income at all when sick. But it also makes sense for companies to make the financial risk calculable.
- ✔ Income Protection: Coverage of usually 80% of the salary in case of incapacity to work.
- ✔ Long Duration: Payouts for up to 720 days within a period of 900 days.
- ✔ Waiting Periods: Flexibly selectable periods (e.g., 30, 60, or 90 days) to reduce premiums.
- ✔ For Self-Employed: Safeguarding livelihood if your own capacity to work fails.
- ✔ BVG Exemption: Exemption from pension fund contributions is often integrated.
Important Questions About Daily Allowance
This depends on the years of service and the region (Bern, Zurich, or Basel scale). In the first year of service, it is often only 3 weeks. After that, the legal obligation ends quickly.
For the self-employed, it is voluntary but highly recommended. For companies, it is often required by collective labor agreements (GAV). Private individuals can take it out as a supplement.
The waiting period is the time between the start of the illness and the first insurance payment. The longer the waiting period (e.g., 30 days), the lower your annual premium.
Yes, many collective daily allowance insurance policies also cover loss of earnings during maternity leave, supplementing the statutory MSE.
A health check (questionnaire) is customary for individual policies for the self-employed. For collective company policies, this is usually waived for employees.
Suitable Solutions for Your Situation
Choose between individual solutions or collective contracts.
Premium Optimization
Adjustment of waiting periods to lower your business fixed costs.
Request a quoteTake No Risks with Your Income
A long sick leave must not lead to financial ruin. We will find the right daily allowance solution for you.
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