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Group daily sickness allowance

An employee falling ill should not put your business in difficulty.

If an employee falls ill, you must continue to pay their salary for a limited period. Group daily sickness allowance insurance takes over, for you and for your employees alike.

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Why it matters

Very real situations.

Situation

An employee is on sick leave for six months.

Consequence

Without insurance, you remain obliged to pay their salary under Art. 324a of the Code of Obligations (CO), while often also having to replace them.

Situation

A key employee is unable to work for a long period.

Consequence

The insurance pays daily allowances, often for up to 720 days, which gives you time to plan what comes next.

Situation

You change insurer while an employee is ill.

Consequence

If ongoing cases are not taken over, that employee risks being left without cover.

What we cover

The essentials, explained simply.

Daily allowances

Generally 80% of salary, paid after the agreed waiting period.

Benefit period

Typically up to 720 days, to cover long-term incapacity for work.

Tailored waiting period

The longer the waiting period, the lower the premium: choose it according to your cash flow.

Equivalent to the statutory obligation

Cover that can release the employer from its obligation to pay salary (Art. 324a CO), under certain conditions.

Transfer to individual insurance

An employee who leaves the business can, depending on the contract, continue the cover on an individual basis.

Coordination with UVG/LAA & BVG/LPP

To avoid gaps and overlaps between accident, illness and disability cover.

Points to watch

The mistakes we see most often.

  • 01

    Treating the insurance as optional

    No federal law requires it, but without it you bear the obligation to pay salary yourself — and your collective labour agreement may require it.

  • 02

    A poorly chosen waiting period

    During the waiting period, the business pays: it must match your financial capacity.

  • 03

    Poorly informed employees

    When they leave, they often have only a short time to transfer to individual insurance: the employer must inform them.

  • 04

    A poorly prepared change of insurer

    Changing insurer without ongoing cases being taken over can leave employees who are ill without cover.

Our method

Support in 4 steps, with no effort on your part.

  1. 01

    Analysis

    Your contracts, your needs, your goals: we carry out a full review.

    What you get

    A clear overview of your cover

  2. 02

    Comparison

    As an independent (non-tied) broker, we compare offers from many insurers, without bias.

    What you get

    The best offers, compared for you

  3. 03

    Set-up

    We handle the formalities, from cancellations to new contracts.

    What you get

    No admin for you to deal with

  4. 04

    Follow-up

    Claims, life changes, regular reviews: we stay by your side.

    What you get

    A dedicated point of contact, for the long term

  • Non-tiedIndependent broker
  • FINMARegistered · F01536191
  • +2'500Clients supported
  • 98%satisfaction rate
  • +10 yearsof experience

Frequently asked questions

Group daily sickness allowance:your questions.

Our experts' answers to the questions we are asked most often.

Not at federal level, but it may be under your collective labour agreement. Without it, the employer must pay the salary itself in the event of illness, for a limited period (Art. 324a of the Code of Obligations, CO).

Another question?

An adviser will answer you.

Book an appointmentWrite to info@brokerlink.ch

Let's talk about your situation.

A first conversation to review your business and its needs.

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Related areas

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Official sources

General information, as of 2026 — it does not replace personalised advice.