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elipsLife daily sickness benefit insurance gives your business full peace of mind if one of your employees falls ill and becomes incapacitated. Comprehensive cover avoids any gaps and provides the benefits the employer wants and needs.

Entitlement to wage replacement benefits in the case of sickness-related incapacity to work is governed by the Swiss Code of Obligations, but ends after only a few short months. elipsLife closes this coverage gap with competitive daily sickness benefits insurance under the Swiss Insurance Policies Act (IPA). Following a qualification period determined by the employer, elipsLife solutions guarantee that they will be compensated for continuing to pay a sick employee’s salary – for up to two years. 

Case management as an additional service
Case management forms part of our corporate health management (CHM) program, which helps companies to prevent illness, manage repeated absences and reintegrate its employees into the workforce. Professional case management keeps your daily sickness benefit insurance premiums steady and can even reduce them. Click here for more information.

Mandatory accident insurance
Insurance against occupational accidents and illnesses is compulsory for all employees in Switzerland and Liechtenstein under the Swiss Accident Insurance Act (AIA) and the Liechtenstein Accident Insurance Act (UVersG) respectively. What’s more, all employees who work more than eight hours a week for the same employer must also be insured against non-occupational accidents.

elipsLife mandatory accident insurance provides all of the elements of cover required by law, such as wage replacement benefits in the form of a daily allowance if an employee is unable to work, the necessary benefits to cover care, and pension benefits in the event of disability and death.

Supplementary accident insurance
Supplementary accident insurance extends the benefits paid under mandatory accident insurance in line with the client’s particular needs. It is a good choice

• for employees paid more than the maximum covered by the AIA.
• for the entire workforce over and above mandatory AIA benefits. For example, it might pay for inpatient hospital treatment on a private ward, or additional lump-sum benefits in the event of death or disability.
• to insure special risks for which cover is limited or excluded under mandatory accident insurance.

Reinsurance for occupational pensions enables companies’ own pension funds and collective foundations to insure the biometric risks of disability and death with elipsLife. 

The advantages of congruent reinsurance from elipsLife:

• Benefits are replicated and insured in accordance with the Pension Regulations 
• No over- or underinsurance
• Case management forms an integral part of reinsurance 

Cover as set out in its regulations enables the pension fund to budget with certainty and to focus on the challenges of occupational pension provision. The fund can also hand over the management of death and disability cases to elipsLife to keep its own administrative costs down.

Case management forms an integral part of any chosen elipsLife reinsurance solution. It benefits corporate clients with their own pension funds, and their employees, because it provides active support in the face of disability or a person becoming unable to work.