Comparison table

Daily allowance insurance

Daily allowance insurance pursuant to LAMal/KVG
Icon
Read more
Daily allowance insurance pursuant to LCA/VVG
Icon
Read more
Reasons of the incapacity for work
Reasons of the incapacity for work

Illness, accident and maternity

Illness, accident/maternity (if risk included)

Minimum degree of incapacity for work
Minimum degree of incapacity for work

25%

25%

Duration of benefits
Duration of benefits

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

Waiting period
Waiting period

3 – 90 days

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

Level of coverage
Level of coverage

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

Maximum insurable salary
Maximum insurable salary

CHF 250,000

Freely defined in the policy

Maternity daily allowance
Maternity daily allowance

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

Additional coverage (optional)
Additional coverage (optional)

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

Transfer to individual insurance
Transfer to individual insurance

Free transfer

Free transfer



Groupe Mutuel

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