KTG: insured income during sickness
Sickness daily allowance insurance can replace an agreed proportion of insured salary after a waiting period. Benefit duration, insured groups, exclusions and notification duties depend on the contract. It does not automatically pay all replacement-staff costs.
UVG: compulsory accident cover for employees
Employees generally require occupational accident insurance. Those working at least eight hours a week for the same employer generally also have non-occupational accident cover. Suva jurisdiction must be clarified before comparing private insurers.
UVGZ: consider supplementary benefits
Supplementary accident insurance may provide agreed extensions to UVG, such as salary coverage beyond statutory limits or other benefits. Scope depends on the product.
Waiting periods and employer obligations
A longer waiting period requires sufficient liquidity for the initial period. Employment contracts, salary-continuation duties and any applicable collective agreement must be considered.
Three everyday business situations
Extended absence due to sickness
An employee is ill for several weeks. Check the proportion of salary insured under KTG, the waiting period and the benefit duration. The business needs a funding plan for the period before insurance benefits start.
Part-time work and a leisure accident
An employee works six hours a week for you. Occupational accident cover from this job alone is not sufficient for leisure accidents. At least eight hours a week with the same employer generally also provides non-occupational accident cover.
Additional accident benefits
A business wants to review benefits beyond basic UVG cover. The required UVGZ options and the groups of people to be insured must be specified.
Simplified examples. Actual entitlement depends on statutory requirements and the agreed insurance terms.
