Enterprise solution for SMEs
If employees are out of action because of illness or an accident, your SME has several burdens to carry: workers are missing, productivity drops, the administrative workload increases, as do the additional costs. You can protect your SME with our far-sighted insurance solutions, preventive measures and strong supplementary benefits.
Good to know
Even SMEs are required to have accident insurance for their employees. Whether to insure for daily sickness allowances is, however, up to you.
Benefits for your company
Security that enables you to plan ahead
Absences of employees due to illness or accident are unpredictable for an SME. Our insurances transform the financial risk into fixed costs.
Insurance solutions from a single source
Not only do we cover all your obligations under the law, but we'll also put together an insurance package tailored to the needs of your firm and your employees.
Personal and efficient
We're the largest health insurer in Switzerland, so we've got the expertise that means you stand to gain from all-round know-how and fast administrative processes. At the same time, we never forget that it's all about individuals, and are happy to advise you and anyone else involved face to face, if you or they so wish.
All-round care
Helsana offers you all-round care of a kind only few other insurers can. We take preventive action and help you with additional benefits if you so request. We also support you and your employees as they return to regular work.
Your insurance obligations
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Accident
Sickness
Obligatory
The law says that you have to insure all your employees against accidents.
If an employee is ill, you're obliged to keep on paying their wages for a limited period of time. This is something you can insure yourself against. |
Voluntary
The insurance cover required by law is extensive, but there are limits on certain aspects of it. Tailor-made, modular additional insurance solutions enable you to offer your employees even better protection.
Take out daily sickness allowance insurance, and you're no longer bearing the financial risk of continuing wages payments yourself.
Our offer
With Helsana, you can cover your business and your employees against the costs incurred when an employee falls ill or has an accident. There are also additional services available which round out the offering.
Sickness
Taking out daily sickness benefits insurance is voluntary. You are, however, obliged to carry on paying the wages of any employees who have fallen ill or are pregnant. How long this obligation lasts depends on seniority and region. Helsana Business Salary daily sickness allowance insurance takes over from you the obligation to continue paying wages up to the point where social insurance starts paying out. That means your employees are better off, while you, the employer, benefit from the calculability of the costs involved.
Accident
Compulsory accident insurance
Compulsory accident insurance (UVG) gives you and your employees a legally required minimum of protection against the financial consequences of an accident or occupational illness. The benefits cover the treatment of those affected as an outpatient or as an inpatient in a general ward in hospital. The insurance also starts paying 80% of their salary starting on the third day after the accident. The maximum salary that can be insured is CHF 148,200. And over the long term, the insurance also covers pensions amounting to 80% of an employee’s insured salary.
Supplementary accident insurance
By taking out supplementary accident insurance, you can give any employees who have fallen ill or had an accident more support than the law requires – not only by continuing to pay them their full salary, but also by enabling them to be treated in a semi-private or private hospital ward or arranging for the paying out of lump sums in the event of disability or death. The choice of benefits is entirely yours, and you can also combine them as you wish.
Occupational health management
Helsana Business Health gives you comprehensive and systematic occupational health management. Raise the awareness of your managers and employees on issues concerning health in the workplace. Together with your personal health manager, you can analyse the situation at your company, define appropriate measures, implement them and then evaluate their effectiveness.
Our online tools and comprehensive training programme for your managers and employees support the sustainable implementation of occupational health management at your company.
The toolkit for healthy SMEs forms part of Helsana Business Health. It includes tips and resources for occupational health that companies can use themselves.
Preventive Case Management
Work-related stress, problems in your personal life or financial difficulties – all these are factors that may affect your well-being and health sooner or later. If recognised too late, they can lead to serious illness and incapacity to work. As an employer, you can offer your employees early support through preventive Case Management (PCM) from Helsana. A Helsana Case Manager will support your employees throughout the entire process.
Case Management
Our Helsana Case Management actively supports you in reintegrating sick and injured persons into the workforce. After you have notified us of the illness and we have carried out the first assessment, we do everything we can to make sure that injured or sick employees can recover and return to work as soon as possible.
In this regard, early detection of the course of the illness or injury is very important. This is where we rely on our competent case managers who, thanks to their many years of experience, can detect at an early stage when sick or injured people need our help. We discuss the situation with the affected employee and join forces with you and the doctors to find future opportunities of deployment. The case manager coordinates contact between all the units involved.
Do you have questions?
We're here to help.