Taggeldversicherung
Daily Sickness Allowance
Simple Definition
Insurance that replaces your salary if you are unable to work due to illness (e.g., burnout, long covid). Employers usually provide this for 720 days (80% salary). If you are self-employed or a housewife/househusband, you have ZERO coverage unless you buy it privately.
Why this matters to Expats.
The silent killer for self-employed expats. In Switzerland, if you don’t work, you don’t get paid (after a very short mandatory period). If you contract a long-term illness and don’t have this insurance, you could face financial ruin before state disability (IV) kicks in years later.
Actionable Intelligence
Self-Employed: This is mandatory for your survival. Get a quote immediately.
Waiting Period: The standard is 30 days. You can lower premiums by choosing a 60 or 90-day waiting period.
Coverage: Aim for 80% coverage to maintain your standard of living.
Frequently Asked Questions
Does my employer pay?
Most do, but check your contract. It is not strictly mandatory for them to buy insurance, but they must pay salary for a limited time (schema).
How long does it pay?
Typically 720 or 730 days, which bridges the gap to Invalidity Insurance (IV).
Is burnout covered?
Yes, provided you have a doctor's certificate (Arbeitsunfähigkeitszeugnis).
Confused by Swiss Insurance?
Don't overpay on your Franchise. Our calculator finds your sweet spot in seconds.
Compare Now