Insurance for your people
Sickness daily allowance insurance
Protecting the business and its employees against absences due to illness.
The essentials
When an employee is ill, the employer is obliged to continue paying salary for a limited period. Sickness daily allowance insurance makes it possible to transfer this risk and to protect the employee over a longer period.
It is one of the covers that raises the most questions in practice: waiting periods, relapses, termination of employment, coordination with other insurance.
The situations concerned
- Sickness absences that recur or last longer.
- A daily allowance contract whose conditions no longer match the headcount.
- A premium increase after several claims.
- Uncertainty about what happens when the employment contract of a sick person ends.
How we support you
- Analysis of the conditions: waiting period, duration of benefits, insured salary.
- Checking how the cover fits with the employer's statutory or contractual obligation.
- Support with long-absence cases and coordination with the other parties involved.
- Preparing the renewal and a critical reading of the proposals.
Before deciding
Points to examine
- 01The waiting period and its real cost for the business.
- 02How relapses are treated in the contract conditions.
- 03The right to transfer to individual insurance on leaving.
- 04The notification requirements and time limits set by the contract.
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
Is sickness daily allowance insurance compulsory?
Federal law does not generally require it, but many collective labour agreements provide for it. It also allows the employer to fulfil its obligation to continue paying salary through a solution that is at least equivalent, under conditions that need to be checked.
How should the waiting period be chosen?
A longer period reduces the premium but leaves salary payments with the business for longer. The right choice depends on your cash flow, your absence history and your obligations towards employees.
What is a relapse?
It is a new incapacity linked to an earlier illness. How it is treated depends on the contract conditions; it is a point to read carefully.
What happens to the cover if the employee leaves the business?
The contract generally sets rules for the end of employment and a possible transfer to individual insurance. The time limits for informing people are important.
Can you help us during a long absence?
Yes. We help gather the documents, follow the exchanges with the insurer and coordinate the steps with the other parties involved.
Related services
Useful resources
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.