Sickness and accident daily benefits
Secures your income if illness or an accident keeps you off work for longer.
Why this matters
A slipped disc, a serious diagnosis, burnout – and you are out for months. Your employer only has to continue paying your salary for a limited time; depending on years of service, that may be just a few weeks. An IV pension is possible at the earliest after a year of incapacity for work – in between, without daily allowance insurance, there is a gap in which rent, premiums and fixed costs keep running unchecked.
For employees, accidents are covered by the employer’s mandatory accident insurance – illness is by far the bigger risk, because a collective daily sickness allowance is voluntary for employers and far from universal. So check carefully what your employment contract actually provides. For the self-employed the situation is even clearer: no continued salary payment, no mandatory scheme – without your own daily allowance, income comes to a complete standstill during a longer illness.
What you get out of it
Your income is secure if you're off work for a longer period.
For the self-employed in particular, often the most important policy of all.
Gaps between salary continuation and IV disability insurance properly closed.
What we take care of for you
- Analysis of your salary continuation obligations and existing cover
- Comparison of daily benefits insurance by waiting period and duration
- Solutions for the self-employed and part-time workloads
- Support when you claim benefits
The advice is free for you — we are remunerated by the insurance companies through brokerage commissions and will disclose these on request.
Tips from our consultations
What we tell our clients time and again – free of charge, even before the first meeting.
The longer the waiting period, the lower the premium. If you can bridge two or three months from your own reserves, choose a longer period and save considerably. What matters is that the waiting period and salary continuation dovetail seamlessly.
Whether and for how long a collective daily allowance insurance pays is set out in the employment contract or the staff regulations – not every company has one. Only once this basis is known can the private top-up need be quantified properly. A look at these documents belongs at the start of every consultation.
Anyone leaving a collective insurance scheme – on dismissal or when going self-employed – often has the right to transfer to individual insurance, usually without a new health assessment. This right lapses after a short period. So clarify the transfer before your last working day is over.
Individual daily allowance policies under the VVG require a health assessment – anyone already ill receives reservations or no contract at all. So sign up while you are healthy. And answer the health questions truthfully: false statements can later release the insurer from paying.