Daily allowance insurance pursuant to LAMal/KVG

Daily allowance insurance protects your employees against loss of salary in the event of illness.  It also allows you to budget the costs of such risks. Discover our LAMal/KVG insurance solution and its many advantages.

PRINCIPLES
  • The insurance:
    • pays a daily allowance benefit in lieu of salary or as a supplement to AI/IV pension to employees who are prevented from working because of illness or maternity;
    • takes effect at the end of your obligation, as an employer, to pay the salary or at the end of the chosen waiting period (3, 7, 14, 30, 60 or 90 days).
MAIN BENEFITS

Daily allowance pursuant to LAMal/KVG

  • Risks covered
  • Illness and maternity accident (if risk included)
  • Degree of incapacity for work
    • Payment of the daily allowance for each day of incapacity for work of at least 25% (including Sundays and public holidays)
    • Daily allowance proportional to the degree of incapacity for work
  • Duration
  • Payment of the daily allowance benefit until the lump-sum amount is exhausted. These benefits are equivalent to 730 full daily allowance benefits during a period of 900 days.

Level of coverage

  • Salary covered
  • Coverage of a defined percentage of salary: 80%, 90% or 100%
  • Maximum insurable salary
  • CHF 250,000
  • Partial incapacity for work
  • Daily allowance proportional to the degree of incapacity for work

Maternity daily allowance

  • Payment of benefits
  • Payment of the maternity daily allowance after deduction of federal (LAPG/EOG) or cantonal insurance payments
  • Duration
  • Payment during 16 weeks

Additional coverage (optional)

  • Continued insurance coverage
  • Continued health insurance coverage for a new medical condition despite the end of the entitlement to benefits. If the employee still has a working capacity and is carrying out a suitable activity, he/she can benefit from an additional six months of coverage

Individual insurance

  • Departure from the group of insured persons
  • Entitlement to free transfer to individual insurance and administrative procedures managed by your insurer
  • Attractiveness: you attract and retain your employees with generous social benefits and stand out as a modern and responsible employer.
  • Security: you transfer the financial risk of absences due to illness to the insurance company and are therefore able to budget for it in your expenses.
  • Coordination: the benefits are perfectly coordinated with those of social insurance in order to guarantee a payment up to 100% of the salary.
  • Complementarity: you can extend the coverage by combining it with accident insurance, occupational benefits, supplemental health insurance or legal protection.
Request a personalised offer online
  • Use the corporate online offers system to send us your information, without any obligation on your part. Once assessed, we will be able to send you a personalised offer.

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Your most frequently asked questions

Your incapacity for work should be reported immediately to your line manager or to your human resources department.

Every month, you should give your employer a doctor's certificate signed by your doctor attesting to the degree of incapacity. To facilitate matters, the insurer has produced a special form for long-term incapacities, and this form is available on request. Your doctor should fill in the form at each consultation. You should then give your employer a copy of the form. At the end of the incapacity for work, you should send you employer the original form without delay.

When you are incapacitated for work, you should:

  • inform your employer immediately
  • follow the medical recommendations of your doctor
  • supply the information requested by the insurer
  • take part in the investigation in progress (request for documents, medical consultation, administrative procedures)
  • inform the insurer of any change in your circumstances
  • do your utmost to limit the length of the incapacity for work

You should tell us immediately that you have left your company and specify that you wish to be offered a switch to individual insurance cover. If you accept this offer, you will continue to enjoy insurance coverage with the same conditions as you had when you were an employee of the company. You will be responsible for paying the premium associated with the policy.

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Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111