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Daily sickness allowance (KTG)
The employees' wages are also owed if they are absent due to illness or pregnancy. This is enshrined in law for a certain period of time. How long the obligation to continue paying wages exists depends on the number of years of service and the scale used (Bern scale, Zurich scale or Basel scale). However, daily sickness benefit insurance is not compulsory.
Insured wages
With a group daily sickness benefit insurance you can shift the entrepreneurial risk to an insurance company. You can have 80%, 90% or even 100% of your salary insured for a maximum of two years. With a KTG insurance you choose a waiting period which is relevant to the premium and which is deducted from the 730 days. For example, you can have your wages insured from the seventh day or from the 14th / 30th / 60th or 90th day.
