Personal insurance
It is essential to provide your employees with social security for illness and accidents. The benefits of occupational personal insurance (accident insurance, supplementary accident insurance and daily sickness benefits insurance) are coordinated with the first pillar of basic state provision and, if necessary, complemented with private insurance.
From an employer’s perspective, such insurance contributes to the protection of your employees’ performance and health, and with that also the performance and health of your company. Personal insurance is a substantial cost factor for any company. It is therefore paramount to coordinate insurance plans precisely with your other insurance policies and to avoid double insurance.
Personal insurance benefits also contribute to your position as an attractive employer. Fringe benefits such as collective health and travel insurance also play a decisive role here.
Important questions
What statutory or internal requirements do we need to observe when arranging our insurance (collective labour agreements, standard work contracts, industry recommendations, labour law, employment contracts, personnel regulations)?
For what amount should we insure the benefits for sickness or accidents? What is the standard in our industry for treatment costs and sick pay?
What benefits need to be coordinated, and where do we run the risk of double insurance or gaps in cover? Have our insurance plans within Switzerland been coordinated with any international insurance that we might have?
Have our existing insurance policies been tariffed correctly, and do they reflect the effective activities and related risks of our employees?
Have the waiting periods and levels of cover been defined reasonably?
Your benefits
Workload reduction for your HR department
Review of existing employment contracts, personnel regulations and insurance plans
Support through the compilation of industry comparisons
Optimisation of planned cover
Compilation of insurer comparisons and support when switching insurers
Support with claims
Coordination of claims across different insurance sectors
Organisation of workplace health and case management
Staff orientation within your company
Checking subjection to SUVA and insurance tariffs
International solutions for expats via our international network
