Financial security for sick people
Those who are temporarily unable to pursue their professional activity are often faced with a major problem. The self-employed have to use up their financial cushion. Housewives may have to look for paid care.
Even employees who are entitled to continued payment of wages by the employer face problems. In the worst case, the incapacity to work lasts over such a long period that the entitlement to continued wages ceases to apply.
In these and many other situations, daily sickness benefits promise financial security.
Benefits of daily sickness insurance
Daily subsistence insurance aims to secure the financing of one's own everyday life and lifestyle in the event of inability to work due to illness or an accident. In the event of illness, payment of up to 100 percent of the wages is in prospect.
However, the type of insurance also has a significant impact on the respective conditions. Depending on the type of daily sickness benefit insurance, the sum insured can be paid out for up to two years. If you accept a longer waiting period for payment of the daily allowance due in the event of unemployment, this fact also has a positive effect on the amount of the premiums.
Daily allowance insurance offers potential policyholders in Switzerland a high degree of flexibility. Depending on the amount of the daily sickness allowance and the waiting time, the policy offers extensive design options. However, this flexibility gives every policyholder the opportunity to adapt the conditions to individual requirements. The most important advantages at a glance:
- financial security despite illness
- Insurance conditions can be adjusted individually
No assumption of costs in the event of unemployment
Even if it may sound a bit strange at first, there is an agreement in the employment contract about a? Loss of insurance benefit? can have a serious impact on the use of daily sickness insurance.
If an employee cancels or receives the termination, it is entirely possible to lose the insurance as a policyholder. A similar case occurs for the self-employed who are insolvent after a long illness, have to sell their business or have to give up.
Potential policyholders avoid these risks by taking a close look at the insurance conditions. Because there are now many insurance law agreements in which details such as these are interpreted in favor of policyholders.
Special features of a daily sickness allowance for the self-employed
The self-employed also take advantage of completely different options. These policyholders are often free to individually determine the start of payment and the amount of the sum. As a rule, those affected have a right to receive the benefit from the 14th, 30th or 45th day of illness.
All in all, the benefits should correspond approximately to the value that arises from the loss of earnings. Nevertheless, the self-employed benefit from a particularly large number of advantages. In addition to maintaining the usual standard of living, the policies also offer protection against incapacity to work in maternity.
All of these advantages are reason enough to seriously consider taking out daily sickness benefit insurance. Ultimately, personal protection primarily serves a purpose, your own recovery.
Swiss health insurance companies cover the costs necessary for physical and mental recovery. However, the healing process will certainly progress faster if those affected weigh in financial security during this difficult time.
Health reservations
If the insurance companies request a declaration of their current state of health when they join the policy, potential policyholders must also truthfully complete the document.
If the potential policyholders do not disclose certain facts or provide the information incorrectly, there is no entitlement to insurance protection in the event of a benefit - on the premise that there is a connection between the medical cause and the benefit.
In practice, however, most insurance companies increasingly offer so-called full insurance. This means that every worker can be admitted without a prior health check.
If the companies offer this insurance option, there are no benefit restrictions for existing diseases.
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