Group daily sickness benefits insurance

Most insurance companies and also some health insurers 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 wages for a certain period in accordance with Art. 324a CO and must pay these themselves. The obligation to continue to pay wages 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 has only a few sick days, it may even be cheaper for the employer to continue to pay the salary itself for a certain period of time. However, KTG insurance is generally recommended and many CLAs also provide for this.