Loss of earnings insurance

Employees are your company’s most valuable resource. That is why it hurts when somebody cannot work due to an accident or illness.


With an ÖKK LOSS OF EARNINGS INSURANCE policy, employees' salaries are safe – even if employees cannot work due to illness, accident or maternity/paternity.

How you benefit at a glance

  • Loss of earnings insurance in the event of an illness, accident, maternity or paternity
  • Daily allowance from 25% incapacity to work
  • Individual waiting periods
  • Maximum insurable salary: CHF 250,000
  • Extension of insurance cover in the event of incapacity to work if the employment relationship is terminated
  • Waiver of reduction in cases of gross negligence
  • Continued payment of salary in the event of death
  • Supplementary children's and education allowance
  • Exemption from premiums for employees in the event of claiming benefits
  • Right of transfer to the individual ÖKK COMPENSA daily allowance insurance within 90 days after leaving
  • Insured persons of retirement age continue to be insured for 180 days until they turn 70
  • Cross-border workers are granted the same rights as persons residing in Switzerland
  • Proprietors as well as employed family members are able to join
  • Personal support by the Case Management team
  • Preventive offers to promote health
  • Sustainable reduction of absence costs thanks to a comprehensive absence management system


Select one of the two insurance variants

Variant with full cover

  • Unconditional insurance cover
  • Benefit period for a maximum of 730 days per insurance claim
  • The duration of benefits for loss of earnings insurance is coordinated with the BVG pension. This means that the BVG pension is deferred for a year, whereupon the BVG premium is reduced.

Variant with health declaration

  • Acceptance is subject to an individual risk assessment.
  • Full insurance cover for all illnesses or accidents occurring after commencement of the contract.

As an option, you can combine your insurance variants with additional benefits

Childbirth allowance

  • No waiting period
  • In addition to the maternity insurance (as per loss of earnings regulations), we insure two weeks’ childbirth allowance amounting to the insured daily allowance.



Paternity allowance

  • No waiting period
  • The paternity leave must be regulated in the policyholder’s personnel regulations.
  • The paternity allowance amounts to the insured daily allowance.
  • The duration of the reimbursement is as stated in the agreement in the personnel regulations.

Legal protection insurance

The costs of legal cases can quickly stack up for companies. Legal protection insurance helps you cover these costs. ÖKK offers a number of different options for legal protection insurance.

Legal advice over the phone

  • Advice over the phone in all areas of law
  • Unlimited number of consultations
  • Can be used immediately after taking out insurance

Supplement your legal cover with the “legal advice” and “labour law protection” modules:

Legal advice

  • Unlimited legal advice in all areas of law
  • Three legal consultations for extrajudicial initial interventions per year
  • Up to CHF 3,000 of additional external legal costs are covered per initial intervention
  • No qualifying period

Labour law protection

  • Complete legal protection in the area of labour law.
  • Up to CHF 500,000 p.a. of costs are covered in relation to lawyers, legal proceedings and the reimbursement of legal costs.
  • Qualifying period of three months

Additional services

A person’s well-being and performance depend greatly on their habits. If you are active and eat healthily, you can benefit from numerous health effects.  

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