<h3>Illness: loss of earnings due to illness covered</h3><p>Taking out daily sickness benefits insurance for your employees is voluntary. As an employer, however, you are legally obliged to continue paying the salaries of employees who are ill or have had an accident for a certain period of time.<br>You can transfer this risk to SWICA on pre-defined terms. In this way, you can protect the earnings of employees who are unable to work for an extended period of time due to illness. This makes it possible for your company to budget for the risk of ongoing salary payments.</p>

Securing the employer’s obligation to continue paying salaries and thus protecting employees and employers financially

Cover for the cost of replacement workers

Advice, support and coordination by occupational health management specialists (benefit management, specialists clarifications, care manager, prevention)

 Individually selectable waiting periods and extended cover

 Solutions which comply with L-GAV and employment contracts

Easy access to individual daily benefits insurance by withdrawing employees who are Swiss residents (right of transfer)

Your advantages at a glance.

<p>There is now a fast, convenient and cost-effective online insurance solution available for freelancers and small companies with up to five employees. Whether it's daily allowance insurance, accident insurance, supplementary accident insurance or your private health insurance, you get it all in a single package. You can choose the right product for you online now, or quickly and conveniently customise one to your needs. And the premium calculator helps you keep a constant eye on your financial advantages.</p>

The convenient solution for small businesses

<h2>Sickness report</h2><p>Send us the illness report online – simply, quickly and with absolute security thanks to encrypted data transfer.</p>

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.

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 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.

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!

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 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.

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.

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.

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!

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.

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 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.

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.

SWICA supports me in my efforts to live a healthy lifestyle. When I was trying out Bodypump with a friend, she told me that SWICA made generous contributions to her fitness club membership. So I also switched to SWICA, and am very happy I did. SWICA also provides support in the form of the Benevita bonus programme.

The CHF 500 prevention contribution towards my gym membership is sensational and unbeatable.

I’ve been insured with SWICA for decades and I’m delighted. Praeventa is brilliant because I buy orthopaedic shoes for my damaged feet and have been able to do preventive physiotherapy. SWICA is so good that I’ve been rejecting the overtures of other insurers for years.

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 😉.

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’m a happy customer because SWICA makes generous contributions towards my gym and tennis club memberships. Also, when I submit doctors’ bills they are processed rapidly, and the money I’m owed is transferred to me quickly.

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.

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 for 50 years. I really recommend this insurance company because of how understanding it is, the fast payments and everything it does to help remedy the different illnesses we might come across in 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 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!

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!

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.

Thanks to SWICA and My Coach I’ve been able to change my eating habits and get closer to my ideal weight. Nowadays I feel much better and my quality of life has improved.

The website is clear, straightforward and informative. I particularly like the Benevita app, which addresses interesting topics on a daily basis and really inspires me. All in all, I am a SWICA fan and try to persuade as many people as possible that, if they want to have the best possible partner for comprehensive health care at their side, they should do as I do and choose SWICA!

The tips I received from the Benevita team made me aware of exactly what I had to change in my eating and exercise routines. It's true that I was taking a lot of exercise and eating appropriate foods, but the exercise I was doing turned out to be inefficient and I wasn’t eating enough protein. Now I’ve lost four kilos – my body is more toned and I’m pleased with how I look.

I joined Benevita in 2016 and it has changed my life completely. I put much effort into a healthy life, including exercise, food, sleeping and so on. Since then, I feel I am much healthier and happier both physically and mentally. Recently, I got my 300 healthies surprise, which make me more motivated to keep strong. Thank you SWICA for helping us in our healthy life.

I've been more than satisfied for many years. Last year the Benevita health platform helped me a lot. I took myself in hand and lost 20 kilos, and I’ve been able to keep the weight off ever since. Now all I have to do is stay as healthy as I am now and live till I’m at least a hundred.

I've been a satisfied SWICA customer for many years now. I've been using TytoHome as a test customer since 2020. It's very useful and has also been very beneficial during the holidays. I'm convinced of the value of this product. I also appreciate SWICA's contribution towards my cross-country ski pass.

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.

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.

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.).

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

SWICA's Prevention Management team is a reliable partner. In the field of ergonomics, for example, we used a train-the-trainer approach to train employees who now answer questions internally regarding workplace modifications. The OHM team also offers timely solutions, including a webinar series about the immune system.

I do a lot of sport in my spare time, so it’s important to me to have an insurance partner which supports me financially on that front. The range of services provided by SWICA is transparent and easy to understand, which suits me very well. I also like SWICA’s friendly professional staff and the easy-to-use invoice app.

I landed, together with my wife and daughter, in Tokyo. My plan was to spend five months in Japan preparing for the World Barista Championship. Just a week after we arrived we were delighted to discover that my wife was pregnant. Thanks to fantastic support from SWICA, all of the doctor's appointments in Japan – so far away from home – went smoothly. And all the associated costs were also covered. This meant that my wife was able to enjoy her pregnancy and I was free to concentrate fully on preparing for the championships. Incidentally, thanks to my intensive preparations I came 10th in the world championships. Since then I have travelled all over the world for coffee.

I’m never really ill, but during my summer holidays the SWICA helpline provided me with rapid straightforward help, even though I was abroad at the time and in a different time zone.

SWICA gave me all-round support when I had an accident abroad. It was a great relief

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.

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'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.

SWICA has been able to provide professional assistance to me and my family, regardless of the subject area. The adviser is so friendly that he’s almost become part of the family. SWICA offers a check-up which my husband decided to take advantage of. Although he doesn’t like doctors, he was really delighted with it.

The decision to remain with SWICA is based on decades of positive experience. I’m absolutely delighted with Benevita. I regularly take part in step competitions and I’m delighted if I come in the top eight. This membership has brought a positive dynamism into my life.

Last year I started running, changed my diet and began taking better care of myself. So I was looking for an insurer which would support me in my new health-conscious lifestyle. As soon as I came across the Benevita bonus programme, my decision was made.

I do a CrossFit workout three or four times a week, enjoy swimming and love relaxing at spas. With my active lifestyle, SWICA is the ideal choice for me because it has something to offer in all these areas. I also like the straightforward digital information exchange.

We have worked closely together with SWICA for many years now. As a production company with a lot of physically demanding work, the health of our employees is our top priority. SWICA provides us with professional advice and assistance in all matters relating to occupational health management.

SWICA pays 800 francs towards my gym membership. And it offers the Benevita bonus programme which helps people who enjoy exercise and have a health-conscious lifestyle to keep their premiums down. I would recommend SWICA to anyone who is interested in exercise and health.

I’ve been insured with SWICA for as long as I can remember. Fortunately I’ve always enjoyed good health, and I intend to ensure that it stays that way. Thanks to the Praevita contribution towards my gym membership and my annual membership at the pool, I am more motivated to do something to stay in good physical health.

Until a few years ago I didn’t do any exercise and was putting on weight. But that’s all in the past now. SWICA’s supplementary benefits encouraged me to become more active. Without SWICA I would be living an unhealthy life and be unhappy with my body. Thank you!

I can wholeheartedly recommend SWICA when it comes to every aspect of health. SWICA genuinely always aims to support its customers with advice and assistance, with a wealth of knowledge, experience and understanding.
That's why, after many years as a SWICA customer, I would like to highly commend them.

The Benevita Health Programme is really great because it motivates me to get more exercise in my daily life. And you can use the various challenges to compete with your friends.

What our customers have to say. 

SWICA – No. 1 for customer satisfaction in multiple rankings

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.