Comparison table

Illness, accident and maternity

Illness, accident/maternity (if risk included)

25%

25%

Payment of the daily allowance benefit until exhaustion of the lump-sum amount (730 daily allowance benefits during a period of 900 days)

Option 1:
The allowance is paid for each insurance case, up to a maximum of 730 days in coordination with the LPP/BVG insurance

Option 2:
730 calendar days during a period of 900 days for one or several cases of incapacity for work

3 – 90 days

3 – 90 days, applicable per incapacity for work or per calendar year/year of service

Defined percentage of salary: 80%, 90% or 100%

Defined percentage of salary: 80%, 90% or 100%

Daily allowance proportional to the degree of incapacity for work

Daily allowance proportional to the degree of incapacity for work

CHF 250,000

Freely defined in the policy

Payment of the maternity daily allowance after deduction of any federal (LAPG/EOG) or cantonal insurance payments

Payment of the maternity daily allowance in addition to the federal (LAPG/EOG) or cantonal insurance

Paid during 16 weeks, after deduction of the chosen waiting period

Duration defined in the policy

Continued health insurance coverage for a new condition despite the exhaustion of benefits: up to six additional months, at certain conditions

New coverage of 180 days for a period of five years after the exhaustion of the case in question and for this same case

Free transfer

Free transfer