Individual Daily Indemnity Insurance

How Individual Daily Indemnity Insurance works

In many cases, being unable to work means losing out on earnings. While your fixed living expenses, such as rent, mortgage and lease payments or the cost of your children's education, continue to mount up.

Security for gaps in income

Individual Daily Indemnity Insurance pays that part of your salary which isn’t covered by your employer’s insurance. That way, you continue to receive your full salary.

What you need to know about Individual Daily Indemnity Insurance

The insurance aids you financially when the statutory continued salary payments come to an end and before you get benefits from disability insurance or your pension fund. This means you stay protected, without having to worry about gaps in your income.

Insured up to retirement age

This form of insurance is suitable for people in employment, from age 15 to AHV retirement age. If an insured person keeps working beyond the AHV retirement age, the insurance can be continued until they reach the age of 70.

Daily indemnity for accident, illness and maternity

You can opt to receive a daily indemnity for accident or illness. To get a daily indemnity during maternity, choose the combination of maternity and illness.

Daily indemnity amount

• Minimum amount: CHF 10 per day
• Maximum amount: equivalent to the salary subject to AHV contributions

Choose your waiting period

The waiting period runs from the moment you first become unable to work until the time you receive the first daily indemnity payment. You can choose a waiting period of 3, 14, 30, 60, 90, 180 or 360 days. The longer the waiting period, the lower the premium.

Reporting a claim

The easiest way to submit the doctor’s certificate is as an attachment to a message in myCSS, or you can send it by post to: CSS, P.O. Box 2550, 6002 Lucerne.