Employees are your company’s most valuable resource. That is why it hurts when somebody cannot work due to an accident or illness. ÖKK LOSS OF EARNINGS INSURANCE is there so that your employees do not have to worry about their finances if they are unable to work.
Advantages
Loss of earnings insurance in the event of an illness, maternity or paternity
Individual waiting periods
Personal support by the Case Management team
Preventive offers to promote health
Further advantages as listed in the customer information
Our benefits
Daily allowance from 25% incapacity to work
Extension of insurance cover in the event of incapacity to work if the employment relationship is terminated
Continued payment of salary in the event of death
Supplementary children's and education allowance
Exemption from premiums for employees in the event of claiming benefits
Right of transfer to the individual ÖKK COMPENSA daily allowance insurance within 90 days after leaving
Insured persons of retirement age continue to be insured for 180 days until they turn 70
Available insurance types
Variant with full cover
- Unconditional insurance cover
- Benefit period for a maximum of 730 days per insurance claim
- The duration of benefits for loss of earnings insurance is coordinated with the BVG pension. This means that the BVG pension is deferred for a year, whereupon the BVG premium is reduced.
Variant with health declaration
- Acceptance is subject to an individual risk assessment.
- Full insurance cover for all illnesses or accidents occurring after commencement of the contract.
Optional benefits
You can combine the insurance variants with further benefits:
- No waiting period
- In addition to the maternity insurance (as per loss of earnings regulations), we insure two weeks’ childbirth allowance amounting to the insured daily allowance.
- No waiting period
- The paternity allowance amounts to the insured daily allowance.
- The duration of the reimbursement is as stated in the agreement in the personnel regulations.
Telephone advice over the phone in all areas of law is included in ÖKK LOSS OF EARNINGS INSURANCE. You can supplement your legal protection with the following modules:
Legal advice
- Unlimited legal advice in all areas of law
- Three legal consultations for extrajudicial initial interventions per year
- Up to CHF 3,000 of additional external legal costs are covered per initial intervention
- No qualifying period
Labour law protection
- Complete legal protection in the area of labour law.
- Up to CHF 500,000 p.a. of costs are covered in relation to lawyers, legal proceedings and the reimbursement of legal costs.
- Qualifying period of three months