Daily sickness benefits insurance from SWICA ensures that employers can meet their ongoing obligation to pay salaries, delivering financial security for both employees and employers.

Daily sickness benefits insurance (KTG)

SWICA's insurance solutions (UVG / UVG supplement) provide your employees with comprehensive and reliable cover in the event of accidents or occupational illnesses.

Accident insurance (UVG) Supplementary accident insurance (UVG)

Continue to benefit from comprehensive accident insurance for up to 6 months (up to 14 months in case of unpaid leave).


Interim accident insurance

Corporate Travel Insurance provides comprehensive insurance cover and a range of useful services for employees when they are travelling on business.

Corporate travel insurance

Offer your expatriates worldwide the best medical care and comprehensive assistance and services.


Expat insurance

Companies can use SWICA's group offers for supplementary health insurance to provide their employees with attractive fringe benefits. Associations can use this offer to add value for their members.


Group medical costs insurance

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Tailored corporate insurance solutions for:

Find out how SWICA’s occupational health management (OHM) services can promote your employees’ health and performance over the long term. SWICA supports you with individual solutions tailored to your company’s specific needs.

Healthy employees mean a strong company

The customer support is just great. Always very professional and on the same time very friendly. Any medical consultations I get over phone give me the impression that the people, nurses and doctors involved know well their topic and provide support with a nice human touch. Moreover any time I have some administrative question or request the reply or resolution is prompt, which is rare. SWICA, thanks again for the great customer support, keep on!

I’m currently at a rehab centre getting some really excellent treatment. I’m also aware that all this costs a lot of money. SWICA has made this possible for me, and I’m therefore convinced that they take me seriously and know that this is what I need. And, yes, my rehabilitation has been a great success!!! I never thought that this would be possible, but SWICA has provided me with the best option. I’ve regained confidence in my health and am fully committed to maintaining it with all I've got, and I hope to even improve it with some luck and willpower.

And during my illness I was able to support my son while he had his first operation. This, too, was not a problem, which made all of us very happy.

We are satisfied with SWICA’s services in every respect and have found their Client Services always to be friendly and helpful. The coach who's there when someone has an operation, for example, ensures that things stay calm, and we can get help quickly and easily if needed.

I never claimed benefits from my health insurer in the 37 years that I had my policy. But when I became seriously ill, I found SWICA to be fully reliable. Its staff was always professional and friendly, and I could always count on the benefits they promised.

Following an illness, SWICA provided me with someone to support and assist me the whole time – my care manager. I believe that this person is extremely important from a psychological and practical point of view. My care manager (Romano Cirasuolo) was there for me throughout my rehabilitation, helping me to organise all my medical and personal affairs. Care managers facilitate and coordinate patient care by setting goals so that patients can continue on their path to recovery with total peace of mind. I got on really well! The service provided by SWICA is FREE. My care manager enabled me to face my illness without ever feeling alone.

A health insurer shows its real qualities when you become ill. When I had surgery on my back seven years ago SWICA was always there for me. I benefited from preferential treatment in the hospital and straightforward processes. I can warmly recommend SWICA to anyone.

As the mother of a 3-year-old I’ve already contacted sante24 several times about ‘childhood illnesses’. I don’t like running to the doctor about every little thing. The initial telephone assessment and expert advice have generally been so good that I haven’t needed to bother our paediatrician.

It was at Christmas. We were abroad and had forgotten to take our little daughter’s medication with us. Thanks to sante24 we were able to pick up the medication at the nearest pharmacy. You can always rely on SWICA and sante24!

As chronic pain sufferer with an implanted neurostimulator I have a long and painful path behind me. I've had to go through a number of rehabilitation programmes and operations. Through the whole process I have always been able to rely on SWICA. In fact, it's only thanks to this great support, the job coach and the care provided by Ms Vidale that I've been able to find my way back into the job market. I am infinitely grateful and more than happy that I have such a great health insurer!

In the past few weeks I had to have surgery twice. Settling the claims has gone smoothly. Today I even got a phone call from someone at SWICA asking how I'm doing, and whether I'm satisfied with how everything went. To me this is a health insurance company really going above and beyond! I'm a big fan. Thank you for this excellent service.

I really value the great assistance and support. After a skiing accident in Austria I didn't know what kind of accident insurance cover I had. A call to SWICA later on in the evening provided the information I needed and meant that I was extremely well looked after.

I had three cancer diagnoses. Thanks to SWICA’s generosity, I was able to have all the necessary operations and treatments very quickly. That’s 11 years ago now, and today I’m in excellent health.
Many thanks to SWICA and best wishes

I suffered a stroke. Not long after, it was suggested to me that I have a kind of case manager to support my recovery, help me with any difficulties and with paperwork, and propose various forms of assistance.
The person assigned to me was a great help, not only during the episode itself but also for a long time afterwards.
I was pleased to be able to take advantage of this invaluable free service, which supported and assisted me hugely through my physical and emotional difficulties.

Ms Rieder was very professional and helpful and advised me well after my skiing accident to make sure I got the best care while I was in hospital after the surgery. She also helped me to cope with a tense and overwhelming situation after I was admitted to hospital. This gave me confidence as I faced the surgery. Thank you very much!
Also on the phone, Ms Rieder was always friendly, patient and willing to share information – a really customer-oriented person. I wish everyone in the service sector was as genuinely helpful as she is.

My family and I trust in SWICA. I was a professional ice hockey player for 14 years and accidents were the order of the day. Our medical team always looked after us extremely well. After my sports career ended, I decided that I wanted the same care and security for my family and myself. With SWICA I’ve found the ideal partner for my family.

I had an unpleasant experience abroad when my insulin pump suddenly packed in. The foreign bureaucracy meant that it was far from easy to get hold of two different kinds of insulin and pens. So I eventually ended up in the emergency ward of a large hospital, where I quickly realised just how spoiled we Swiss are. The silver lining appeared after I came back home and sent the bills to SWICA. There were simply no questions or quibbles. The costs were reimbursed to my account after just ten days!

I can't thank SWICA enough for what they did. If you suffer from a chronic illness, you can count yourself lucky to have an efficient and understanding health insurer. Thank you very much.

I’ve been insured with SWICA since childhood and have always received excellent advice. Care Management helps me with my back problem and my communications with the disability insurance authorities (IV). This really takes the pressure off me. I’m very happy and would recommend SWICA to anyone.

As a family, we’ve been insured with SWICA for years now and we're 100% satisfied! SWICA covers a large part of the cost of swimming lessons for our children. Our middle child goes to dances classes, and I was amazed to find that SWICA is the only health insurer which helps out with the cost. Fantastic!!!

But that's not all... SWICA was also there for us during an extremely difficult period. Our son became very ill when he was just 16 months old. My husband and I were given a parents’ room at the children’s hospital, even though I was no longer breastfeeding. The situation was looked into and a decision was taken to cover these costs. Really thoughtful and family-friendly. Ever since then we wouldn’t consider any other health insurer! You are the best! Our son has made a full recovery 😉.

During my stay at the rehabilitation clinic following an accident, it was suggested to me that I work with a SWICA care manager, who would be responsible for helping me to find the support I needed to cope as best I could with my return home. I weighed up the suggestion together with my family and we decided to accept. We were incredibly glad we did. We met someone who was really friendly, very well prepared and equally helpful, who found the right solutions and the right forms of support for me. These allowed me to regain my “independence” one year down the line.
It was a very positive experience that I would have no hesitation in recommending. 
I would like to thank my care manager and SWICA.

Care Management has really changed my life. Ms Wunderli has made so much possible for me with the disability insurance and is helping me with all the issues in my life. She has always actively supported and encouraged me. Thanks to this, I now have a second chance and can finally get back on my feet and plan ahead. Last year, I never thought I could achieve all these things in 2019, even with the help and encouragement of Ms Wunderli. I’m deeply thankful for all the help and recommend this service to everyone. I think SWICA's Care Management is excellent.


I’m very happy to be insured with SWICA. You only notice how good your health insurer really is when you run into a health problem. SWICA is always there for you, its advisers are very friendly, and questions about your cover are always handled quickly.
Thanks a lot for all you've done.

It’s possible not everyone knows that SWICA’s Care Management even exists. I have to say it provides really great support. I had major surgery last autumn and got the best possible help from my care manager, including advice and information on the benefits you’re entitled to (sometimes we’re not that well informed and miss out on benefits that we could be taking advantage of). Although this wasn’t required in my case, they can also help by coordinating things between doctors/hospitals etc.

I was ill last year. SWICA helped me by offering an excellent range of services (phone-based advice, work reintegration options etc.) and providing them in a straightforward way (cover note for necessary measures, co-payments for alternative methods, etc.).

When things got really difficult, SWICA was there for us. When my son was only one day old, he was transferred to the university hospital because it looked like he needed to have abdominal surgery. Because I have private insurance with SWICA, I was able to stay overnight in the hospital and breastfeed my son, which was certainly very important in the first days of his life.

I’ve been with SWICA since 1955; before that I was with ZOKU. I’ve never regretted making the change. SWICA’s benefits are comprehensive and effective. So, if you get sick, this gives you a good feeling, which helps you get back on your feet more quickly.

I had a heart attack when I was in the Philippines and had to be admitted to hospital as an emergency. Despite difficult communications channels and the different time zones, SWICA and Medicall gave me comprehensive professional support. A Swiss doctor gave me advice by phone and SWICA issued the cover note. SWICA was also there for me on the flight back home.

Even though I'm retired now, I still look after people in need and come into conversation with them. You would hardly believe the stories I hear about health insurers. About incorrect information, or promises which then can't be kept. It is people seeking advice who often end up short-changed – people who don't have the confidence, or sometimes the ability, to stand up for themselves.
With SWICA I've always received really competent advice – whether it was just a brief phone message, or if a doctor was also consulted – no fuss, no quibbles. But what really touches me is that, whether I'm phoning or asking in person at an agency counter, with SWICA you are taken seriously as a INDIVIDUAL.

I wish that all INDIVIDUALS could enjoy the valuable services that SWICA provides.

Many thanks for the friendly and extremely helpful advice from santé24! I will use this service more often in future, and recommend it to others. Thank you!

As a mum and midwife I find that SWICA offers great maternity-related benefits and services. Already during pregnancy SWICA provided support with acupuncture, which helped me a lot. And after the birth they were always there for us, which meant I could enjoy the time with my baby.

I’ve been a loyal and proud SWICA customer for several years now. Thanks to SWICA’s ideal supplementary insurance plan I had the opportunity following a snowboard accident to recover thanks to fitness centres, physiotherapy and massage centres. This has enabled me to get back to my passion – dancing.

I’ve been a SWICA client for seven years now and it was only in 2018 that I became aware of the company’s Care Management service. It involves SWICA staff offering support to patients by listening to their needs and sensitive health issues with discretion, empathy and a personal touch. In my case, I was able to resolve several issues, from help with administration and red tape, to above all finding the right healthcare pathway and the right doctor. The Care Management service provides a genuinely human relationship. Patients get a one-on-one chat to go through their problems, whatever they may be, and seek a satisfactory solution. With this service, I’ve been treated as a patient with a health problem that needs solving and not just as a client.

Dear Swica Team, Dear Ms Wunderli
Particularly over the last three years you've been looking after me as my case manager. I'm very grateful for your humorous, kind and highly competent support, especially during the period when I was ill and lost my job as a result. During that time your hard work and dedication were very valuable to me, and gave me a lot of support and security.
The people at reception are also attentive and always treat me very respectfully.
On the basis of my own very good experience I can highly recommend Swica and its Winterthur team.

Yours sincerely

I was really taken by the SWICA customer advisor’s pleasant and friendly manner. She explained all the products to me, didn’t push me to choose anything and was happy to respond to my ideas. The information and benefits for healthier living are outstanding. The apps are simple and uncomplicated. Exactly what I need for my family.

I received very competent and friendly advice from a qualified nurse, and a very short time later got a call back from the specialist. I felt I got very good advice.

I'm thrilled with SWICA's easy invoice processing and with santé24, which is available 24 hours a day to answer questions and is always patient and very friendly! Thank you for allowing me be one of your customers. I'm very grateful!

Thanks to Telmed, we knew what to do.
The hospital wanted to pass us on to an expensive 0900 number.
But Swica knew better! Bravo! And thank you.

When my cold got worse I carried out and transmitted various exams with TytoHome. Shortly afterwards I got to have an initial phone call with a professional, and only an hour or so later had a phone consultation with a doctor – all without having to consult a medical practice. Great!

Taking part in the TytoHome pilot saved us several visits to the doctor, and the feedback fed back directly into improving the service. We’re now keen users of telemedicine.

TytoHome is very easy and straightforward to use. Nothing can go wrong if you read the instructions. TytoHome gives me more flexibility and lets me do things when I want to. I strongly recommend using TytoHome.

We were on holiday in Dubai. I began to feel ill during the very first night. I had heart problems, so we had to go to the hospital. sante24 was a great help to us during this time, because we didn’t understand everything in English. Thanks to sante24 I felt safe and cared for abroad.

santé24 is a really valuable healthcare organisation. It's so great to be able to count on your expert services if I fall ill, or if I need advice after being ill. Your health advice deserves particular praise. As a SWICA customer, I always feel well looked after with you. Thank you so much for taking the time to deal with my concerns. One satisfied customer!

I have been with Swica now for at least 15 years and I have never had any problems with them, on the contrary, they are always courteous, expeditious and provide excellent support. Moreover, they take "preventive care" seriously. Also, their Telmed / santé24 are a reliable and convenient way to get fast expert medical assessments - this is the way of the future. I can highly recommend this insurance company!

I'm really happy with SWICA. Attentive, friendly, helpful and they always ask how you are when you've been in hospital. Extremely professional. And the same goes for santé24. For me it has to be SWICA, because they treat customers with decency and respect.

santé24 always gives very good, knowledgeable and friendly advice over the phone. Thank you!

I have been very satisfied with SWICA for over 40 years, particularly in the period before and after the birth of my son, who was born with a severe disability. Even though the IV takes care of most of the costs, SWICA was always there for me when I had questions or concerns. It really is a good feeling to be covered by this health insurer!

For our family, only the best is good enough. Thanks to SWICA, we were able to enjoy the first hours and days together in a family room after our daughter was born. It’s wonderful and reassuring to know that, if anything happens, we as a young family are in good hands with SWICA.

SWICA is the best health insurance provider in Switzerland. I'm covered only within my canton, and after some very difficult operations I wanted to go for rehabilitation outside my canton. Swica approved this for me without hesitation. Thanks to Swica I can now reasonably walk again as the rehabilitation is extraordinarily good. Thank you, Swica.

In the autumn of 2013 I was diagnosed with breast cancer. It came as a massive shock to me. SWICA reassured me straight away and explained that it is a health insurance company that really covers the disease. Today I’m doing very well and I’m very grateful to SWICA.

I’ve been with SWICA for many years. I’m very satisfied. SWICA has always supported me, also with my illness.

What our customers have to say. 

SWICA – No. 1 for customer satisfaction in multiple rankings

Every employee absence costs resources and money. SWICA offers comprehensive insurance solutions for companies to help them mitigate the financial consequences of illness and accident.

The risks: illness and accident. The solution: SWICA.