Service family
Insurance for your people
Accidents, illness, pensions: protecting your employees and the stability of the business.
The essentials
Your employees are your first asset. An accident, an illness or a retirement affects both a person and the organisation around them.
We help you structure the business's insurance for people so that the covers are consistent with each other, understandable for your teams and suited to your HR policy.
In this family
The services in detail
The situations concerned
- You are hiring your first employees and need to set up the compulsory insurance.
- Your headcount has changed and the contracts have not kept up.
- A long absence has revealed grey areas between several insurers.
- You want to offer better conditions to your teams without losing control of costs.
How we support you
- A cross-reading of your accident, sickness and pension contracts.
- Identification of overlaps and gaps between covers.
- Decision support on benefit levels and how they are funded.
- Coordination with insurers during absences and claims.
Before deciding
Points to examine
- 01Consistency between the definitions of insured salary in each contract.
- 02Waiting periods and how they fit with the employer's obligation to continue paying salary.
- 03The categories of staff covered and any exclusions.
- 04The information given to employees.
How it works
How we move forward together
- Step 1
Listen
We start from your organisation: headcount, employment contracts, HR practice and situations you have already experienced.
- Step 2
Read what exists
We analyse your policies, general and specific conditions, as well as recent correspondence with insurers.
- Step 3
Clarify the options
You receive a readable summary of the gaps, the possible choices and their consequences for the business and its employees.
- Step 4
Put in place
We coordinate the steps with the insurers and help you inform your teams.
- Step 5
Follow up
Absences, changes, growth: we review the arrangements whenever the reality of the business changes.
Frequently asked questions
Your questions
Which insurance for people is compulsory for a business?
In Switzerland, accident insurance (UVG/LAA) and occupational pensions (BVG/LPP) are compulsory under certain conditions linked to employment and salary. Sickness daily allowance insurance is not generally imposed by federal law, but it may be required by a collective labour agreement or a contract. We check with you what applies to your situation.
Do we need a single insurer for all covers?
Not necessarily. Grouping can simplify administration; separating can offer better conditions in certain lines. What matters is that the contracts work together without leaving gaps.
How can we explain the covers to our employees?
We can prepare clear information with you and organise a time for discussion, notably through our HR workshops.
What happens when the business grows?
Premiums, staff categories and sometimes obligations change. We recommend reviewing the arrangements at each significant stage of growth.
Related services
Depending on your sector
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.