Group daily sickness benefits insurance

Most insurance companies and some health insurers also offer KTG insurance.

In principle, half of the premiums are paid by the employer and half by the employee. If the employer is subject to a CEC, the provisions of the CEC must be observed.
Some employers pay the premiums in full and do not pass on any premiums.

Without KTG insurance, the employer is obliged to continue to pay the salary for a certain period in accordance with Art. 324a CO and must pay this himself. The obligation to continue salary payments depends on the number of years of service of the employee and can be expensive for the employer depending on this. On the other hand, the premiums for KTG insurance increase in the event of a claim. The insurer can make a so-called premium adjustment based on the claims history. If the Businesses only has a small number of sick days, it may even be cheaper for the employer to continue to pay the salary for a certain period themselves.
However, KTG insurance is generally recommended and many CLAs also provide for this.