Health insurance and daily allowance insurance are required components of social sickness insurance. Two pieces of legislation govern the latter: the Federal Law on Insurance Contracts (LCA) and the Federal Law on Sickness Insurance (Lamar). Private health insurers can provide either insurance, and Escort Bellinzona typically provides sickness insurance.
Lamar-based daily allowance insurance is a type of social insurance that must meet several conditions.
- i) An individual between the ages of 15 and 65 who is interested in signing a daily allowance insurance contract cannot be turned down by an insurance company;
- ii) Everyone ought to be treated equally when it comes to the amount, duration, and premium of sickness benefits;
iii) Sick leave benefits should be paid out for at least 720 days spread out over 900 days;
- iv) Insurance companies may deny coverage for pre-existing conditions, but these restrictions expire after five years of coverage at the latest;
- v) The new insurance company cannot impose additional restrictions on a person who must switch insurance companies due to the expiration of their labor contract. However, there is no minimum benefit amount mandated by the law, and the majority of the time, daily allowances are deficient (Conseil Fédéral, 2009).
Because the terms must be negotiated with the insurance company, daily allowance insurances that are offered based on LCA are private insurances that are much more adaptable. Premiums may vary based on age, gender, health status, and other criteria. Providers have the right to deny applications and exclude certain illnesses without limitation. Insurance companies can also use risk evolution to alter their premiums. Most Sexes in Wil daily allowance contracts are based on LCA insurance because it is significantly more adaptable and better suited to the requirements of employers than LAMal insurance (OFSP, 2012).
Collective insurance contracts
An individual employment contract or a collective labor agreement may make daily allowance insurance mandatory for employees, even though it is optional. The Swiss Civil Code states that the employee must purchase insurance for the daily allowance. The jurisdiction imposes that the employer pays at least 50% of the insurance premium for Private Sex Fotos (the remainder is deducted from the employee’s salary) and that the daily allowances are at least 80% of the wage for at least 720 days in 900 days (after a maximum of three waiting days). The company typically purchases the insurance for the daily allowance as a collective insurance contract with identical terms for all employees (Conseil Fédéral, 2009).
Employers in Switzerland are required by labor law to take the necessary precautions to safeguard their employees’ physical and mental health. However, the available data suggest that Swiss employers pay less attention to managing psychosocial risks at work than companies in the EU do on average, and the labor inspectorate’s efforts to encourage employers to do so are seen as less important. Although labor inspectors have become more aware of workplace mental health issues over the past few years, it is rare for them to demonstrate employer negligence or inappropriate management practices, making the inspection a relatively ineffective prevention tool.