Accident insurance is compulsory for employees working in Switzerland according to the Law on Accident Insurance (LAA). This insurance covers medical care and the loss of earnings of those who have suffered a professional or non-professional accident, or a professional illness. It covers 80% of the salary as of the third day of the inability to work following an accident. Qualibroker-Swiss Risk & Care can help you to choose and implement accident insurance coverage for your employees.
Learn about our Caredesk Absences: our team of multilingual managers specialised in absence management, provide reports to your HR services and manage disputes with insurance companies.
As an employer, you are subject to the LPP, the Federal Law on Occupational Pension Plans for Old Age, Survivors and Disability, and must therefore affiliate your employees to a pension plan institution (LPP Art. 11.1). Unlike the AVS, where contributions are set by law, the LPP gives you great freedom of choice as long as the minimal benefits in favour of the insured employees are respected. Faced with the multitude of offers from pension funds, making a choice is a real challenge. Our pension fund experts can guide you through the complex world of occupational pension plans and provide you with solutions specially conceived for independent employers.
According to the Code of Obligations, you are obliged to continue to pay your employees when they are ill. Although it is optional, the insurance for loss of earnings in the event of illness discharges you from this legal or contractual obligation to pay the salary. It guarantees the employee’s income, even in the event of long-term incapacity to work due to illness.
Thanks to a market call for tender, we can find you the best solution and provide you with support during its implementation.
The consequences of an absence for illness are often a burden for employers, particularly in financial terms. Replacing the salary is among the costs. According to Art. 324a of the Code of Obligations, the employer must continue to pay the salary of an employee who is ill. The length of time this payment is to be made is determined according to the scale established by Bern which classifies the obligation to continue payment according to seniority. As well as the financial risk assumed by the employer, this non-transferral of risk to an insurance company makes employees financially and socially insecure. Before the AI and the LPP pension intervene, more than a year could go by without any indemnity. The loss of earnings insurance provides good protection to employees and allows employers to budget for the financial risk of sick leave.
The classic and complete transfer of cases to an insurer after a waiting period is the best solution for independent employers and the liberal professions. Anyone who is absent for more than 14, 30 or 60 days is reported to the insurance company’s claims department. The latter manages the financial aspects, the follow-up of ailments with the attending physicians and the employee’s return to work. This is the optimal model for independents as you can budget and transfer the financial risk relating to absences due to illness. Furthermore, if the policy is profitable, the insurer may grant a surplus participation, i.e. a retrocession of part of the premium.
On your recommendation, our medical expenses experts can guide your employees through the health insurance jungle to optimise their health coverage and that of their families. Thanks to easier and more extensive access to care, medical problems are detected more quickly, resulting in shorter absences.
Our experts are at the disposal of your employees to implement coverage to insure their assets in Switzerland and abroad and also to plan for their retirement thanks to supplementary pension provision solutions in addition to Pillar 2.
Customised turnkey solutions for independents and the liberal professions
Advice from insurance and pension plan professionals
Satisfied employees due to being well insured on both professional and private levels
As the management of human resources is both complex and constant, Qualibroker-Swiss Risk & Care places its various Caredesks at your disposal and that of your staff. Veritable multilingual platforms, Our Caredesks provide flexibility and responsiveness on behalf of HR departments.
Integrated with the company’s processes, our consultants are in constant contact with you to ensure a smooth exchange of information.
A true hotline at your service for payroll management and other HR administrative tasks.
Monitoring of your employees’ absences and claims from A to Z to free your HR department of heavy administrative tasks.
Health insurance solutions for your staff, adapted to your HR strategy.
The management of your insurance and pension provisions contracts, to support you as well as your employees in this complex area.
In order to guarantee a level of excellence in our services, we have designed made-to-measure products for all types of businesses in Switzerland.
The Corporate Benefits Statement gives companies the opportunity to ascertain how much they pay to each insurer. This analysis then allows them to reduce their expenditures or to fill any gaps in benefits.
The Individual Social Report consists of a detailed analysis, unique in Switzerland, of the social coverage of each of your employees.
Our internally developed software, Unipro, allows simple and efficient management of your employees’ absences due to illness or accidents.
Freedom and flexibility in monitoring absences with our mobile application.
Personal pension planning and life insurance are much more than an investment: they are a safety blanket for your family and assets and, if you are an entrepreneur, they ensure the continuity of your business. Here we look at the benefits of some of the different solutions available.
Floods in the canton of Vaud, gale-force winds in the Neuchâtel mountains, a hailstorm in the Valais countryside, and record-breaking heat across the country; Switzerland has experienced extreme weather events that are increasingly severe and frequent, to the extent that insurance capacity for damages caused by natural disasters has become an area of concern.
Discover all the key figures relating to insurance and pension
What if insuring your business became child’s play, and taking out an insurance policy was just a matter of a few clicks? Utopia? Not at all. The dream becomes reality with a framework agreement. Here’s how: