Individual Daily Indemnity Insurance

Incapacity to work can strike anyone. Whether due to illness, accident or maternity – Individual Daily Indemnity Insurance protects you from a loss of income.

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The advantages for you

  • You enjoy financial protection if unable to work.
  • You can choose the insurance cover that best matches your needs.
  • You can start claiming benefits from just 25% work incapacity.

Good to know

The choice is yours

Enjoy a lower premium by selecting a longer waiting period.

Goodbye to financial worries

This insurance lets you maintain your normal standard of living.

Save on premiums

Non-smokers are rewarded with a lower premium.

How Individual Daily Indemnity Insurance works

Life goes on

In many cases, being unable to work means losing out on earnings. While your fixed living expenses, such as rent, mortgage and lease payments or the cost of your children's education, continue to mount up.

Closing the gap

Individual Daily Indemnity Insurance supplements the benefits from your employer's Daily Indemnity Insurance, up to your full salary. Leaving you worry-free and able to concentrate fully on your recovery.

Benefits at a glance

  1. Individual Daily Indemnity Insurance pays the lost earnings. That way, you continue to receive your full salary.
  2. You can take out cover against illness or accident. The insurance pays out at the end of the chosen waiting period.
  3. Maternity can be included in the cover in combination with illness.
  4. It can take one or two years before you start receiving benefits from the Federal disability insurance or your pension fund. Individual Daily Indemnity Insurance bridges this gap.

Frequently asked questions

Many employers do not pay the full salary in case of illness or accident. Individual Daily Indemnity Insurance supplements the benefits from your employer, up to your full salary.

CSS pays the insured loss of earnings from a medically confirmed work incapacity of at least 25%.

Submit the doctor's certificate as an attachment to a message in myCSS or send it by post to the following address:

Postfach 2550
6002 Luzern

No. Individual Daily Indemnity Insurance is only available to individuals with a permanent employment contract.


Personal advice

Get in touch for a personal consultation.