Insurance solutions tailored to your SME

Transcription

1 Insurance products for SMEs Insurance solutions tailored to your SME If employees are out of action because of illness or an accident, your SME has several burdens to carry: workers are missing, productivity drops, the administrative workload increases, as do the additional costs. You can protect your SME with our far-sighted insurance solutions, preventive measures and strong supplementary benefits.

2 I rely on partners such as Helsana, who offer me everything from a single provider. Hans Graf, co-owner/managing director of Graf & Partner Immobilien AG and a Helsana customer

3 Committed to total suitable holistic solutions. Illnesses and accidents affecting employees are often an inconvenience and can become a serious problem for employers. In such situations it is a relief to know that with us your company has a professional partner at its side. Because we offer comprehensive and all-round support everything from a single provider and even before anything has happened. With our farsighted solutions, you and your employees benefit from a fair price/benefit ratio and from attractive supplementary benefits. With Helsana you can rely on a strong partner. In the best sense of the word, as you have a personal contact person to support you in all matters. At Helsana you are in the best of hands and can still take care of business. We look forward to getting to know you and your needs. For example, our UVG solutions protect your company against the expensive consequences of accidents, our Case Management can cushion the follow-up costs of longer-term absences, and our Health Management can improve your productivity. In addition: our insurance products comply with CLA requirements and therefore meet all the requirements of your sector. 3

4 Helsana Business Salary Reduce your financial risks for illness. Under the law, you still have to pay your employees their salary when they are sick. With Helsana Business Salary daily sickness benefits insurance, we assume these costs on your behalf. And much more. A company suffers twice over when an employee is sick: the sick employee cannot contribute to the productivity of your company, and you are obliged by law to continue to pay his salary for a specific period of time. With Helsana Business Salary you assign this risk to us. As soon as the waiting period preferred by you is over, we pay 80% to 100% of the employee's salary or insured salary. Your advantages with Helsana Business Salary: Your loss of earnings risk can be calculated. You choose the percentage of salary coverage (80/90/100 %) and the waiting period yourself. Instalment payments do not attract a surcharge. For long-term absences,you can count on the support of our professional Case Management team. And this is how your employees benefit: There are no shortfalls in coverage, as we can at your request coordinate the daily benefits with the disability insurance (IV) and the pension fund (BVG) (see graph). Continued payment of salary with daily sickness benefits insurance (Helsana Business Salary) Benefits as a % of last salary (full AHV salary): 100% 90% 100 % Continued salary payment under CO 80 % % Daily sickness benefits insurance (KTG) ~50% - 70% ~30% - 60% ~60% Daily sickness benefits insurance (KTG) IV pension ~10 % - 40 % ~10 % - 40 % Employee benefits insurance (BVG) Employee benefits insurance (BVG) AHV pension 0% 1 st year 2 nd year From 3 rd year Retirement Employer s obligation to continue paying salary pursuant to the Swiss Code of Obligations (CO) Helsana s daily sickness benefits insurance Social insurance schemes and shortfalls in coverage 4

5 When someone falls ill, it is easier for us to figure out what is coming our way. Regula Zollinger, secretariat/hr/accounting

6 Thanks to Helsana, I have nothing to worry about after an accident. Andreas Graf, branch manager/broker

7 Helsana Business Accident Give your employees better than average protection in case of accidents. An employee has an accident: the outstanding workload still has to be covered and a salary paid at the end of the month. With our Helsana Business Accident group insurance you can make sure that accidents do not jeopardise your company. With the compulsory UVG insurance, you protect your employees against the financial consequences of accidents and occupational illnesses. The UVG loss of earnings insurance covers 80% of the salary from the third day after the accident. Your advantages with Helsana Business Accident: With the UVG supplementary accident insurance you can also cover extraordinary risks and acts of daring associated with hazardous sports such as downhill biking and parachute jumping. Under the UVG supplementary accident insurance, we pay benefits that are limited or not covered by the compulsory UVG insurance. This includes medical expenses, daily benefits, pensions and lump-sum benefits (see figure below). You can also insure salaries that are higher than the UVG maximum of CHF 148,200. And this is how your employees benefit: For accidents abroad, you benefit from the comprehensive assistance service included in the UVG supplementary accident insurance. With the UVG supplementary accident insurance, employees enjoy more comfort in a private or semi-private ward in hospital. Accident insurance pursuant to UVG and supplementary accident insurance Medical expenses Doctor s and hospital bills Compulsory Medical treatment/ other benefits in kind General hospital ward Voluntary Other costs covered by insurance Private/semi-private hospital ward Incapacity for work Salary during absence from work Daily benefit Max. 80% of insured income (max. CHF 148,200) from third day after accident date Additional daily benefit Any daily benefit supplement up to 100% of full salary Incapacity for work Living expenses in case of disability Pensions/ compensation Max. 80% of insured income (max. CHF 148,200) Additional pensions/ compensation Any supplements up to 100% of full salary 7

8 Helsana Case Management Help your employees who are unable to work to return to professional life. When an employee is unable to work for a longer period of time, your company has more work to do and incurs more costs. With Helsana Case Management and our competent support you can have such cases of illness or accident managed optimally and help the affected employees to return to work faster. And that s good for everyone. With Helsana Case Management you actively support the reintegration of sick and injured persons into the workforce. After you have notified us of the illness and we have carried out the first assessment, we do everything we can to make sure that injured or sick employees can recover and return to work as soon as possible. In this regard, early detection of the course of the illness or injury is very important. This is where we rely on our competent case managers who, thanks to their many years of experience, can detect at an early stage when sick or injured people need our help. We discuss the situation with the affected employee and join forces with you and the doctors to find future opportunities of deployment. The case manager coordinates contact between all the units involved. Employer Your advantages with Helsana Case Management: You can rely on our personal support, from the assessment of the case to the improvement of the living conditions of the affected person. You can close gaps at work faster. You make it easier for employees who are incapable of working to return to professional life. You cut your costs for loss of earnings and avoid higher insurance premiums. You reduce the work needed for coordinating with benefit providers such as the IV. And this is how your employees benefit: They receive the best possible support during long-term absences. They can return to work faster, either to their current position or to a new position adjusted to suit their abilities. Their personal networks and social lives remain intact. Personal environment Attending doctors Unemployment insurance Case manager Employee Provisional insurance Disability insurance 8

9 If one of us falls ill or has an accident, Helsana is there for us. Kurt Löhle, co-owner/broker

10 Supplementary insurance benefits Everything from a single provider everything under control. Active prevention support, comprehensive security, efficient benefit processing you can expect a lot from us. But that's by no means all: we also make sure that you can do your work to safeguard the health of your company as efficiently as possible. With SunetOnline, a platform for electronic payroll declaration and workplace health promotion, and Sunetplus to support your benefit and absence administration. Helsana Business Health Our occupational health management service keeps you and your crew healthy, all the time. Helsana Business Health is adjusted to the size of your company and to your business sector. Together with you and your employees, we analyse the health burdens and resources of your team and take an in-depth look at the measures needed to promote workplace health. SunetOnline You can quickly and easily inform us of accidents and illnesses under Customer services at helsana.ch/unternehmen. State-of-the-art security standards mean that your data is transferred securely at all times. The user-friendly online forms can be printed and saved on your local computer. This brings order to your documentation and we can immediately start processing the benefits. Electronic payroll declaration You can send statutory or contractual data from your wage accounting software by the click of a mouse to us, the authorities, government offices and social insurance schemes. The time-consuming completion and checking of forms is a thing of the past. Helsana Sunetplus This PC software supports you in your benefit administration and absence management. With this software you can check who has been absent how often and for how long. This allows you to react at an early stage, for example with return-towork interviews. With Sunetplus you can also capture, transmit, analyse and manage your accident and illness notifications electronically. Emergency psychological help An accident can cause not only physical injuries, but also mental damage. To make sure that this does not lead to long-term psychological problems, our experienced professionals provide accident victims with emergency psychological help. 10

11

12 Would you like to find out more? More information is available at helsana.ch/sme Would you like telephonic advice? Call us on Do you wish a personal consultation in your vicinity? Visit your closest Helsana agency. You can find the addresses at helsana.ch/general-agencies Helsana Group PO Box 8081 Zurich The Helsana Group comprises Helsana Insurance Company Ltd, Helsana Supplementary Insurances Ltd, Helsana Accidents Ltd and Progrès Insurance Company Ltd. This information was up to date at the time of going to press. Subject to change. The provisions issued by the Federal Government and the competent insurer's General and Additional Insurance Conditions (GIC/AIC) are binding on the obligation to pay benefits. HEL en