The premium is based on the insured risk, your chosen options and the total payroll for all employees. We grant a discount if you also take out contracts for accident insurance or supplementary accident insurance with Generali.

Yes, a variety of cover options can be taken out for a specific group of people.

Inform your employer and provide a medical certificate in line with your company policy. Remember that a doctor cannot provide a certificate that is backdated by over three days or for a sickness lasting for over one month. Your employer will notify us of your absence based on the estimated period of absence from work and the waiting period detailed in the insurance policy.

You must sign and date this document and return it to us within no later than 14 days. This power of attorney permits Generali to proceed with the medical process on your case. It should be noted that Generali will not share any medical information with your employer.

If you are unable to work for an extended period, Generali will contact you and your employer.

You must comply with the obligation to provide information. This means that you must provide all the information Generali needs to assess your ongoing right to benefits.

Generali will determine whether other measures are required, such as:

• medical reports from your attending doctors
• a visit from a case manager
• an appointment with a medical expert appointed by Generali

You must also comply with the cooperation obligation, which means accepting the measures indicated above.

Generali generally pays the daily allowance, in accordance with the insurance policy, to your employer. Your employer will then pay the allowance to you as a salary payment.

You must send us a foreign travel request along with authorisation from your attending doctor at least ten days before your departure date. Generali will then determine whether the daily allowance will continue to be paid during your holiday. 

Generali will determine whether a case manager is needed to provide more personalised support to help you return to work as soon as possible. This might mean a change of job description or business activity. The solution will depend on you and your situation. 

A person with long-term incapacity to work may be entitled to retraining benefits and/or a disability pension. These benefits apply irrespective of prognosis, i.e. even if full capacity to work may be regained in future. It is therefore both your duty and in your interest to submit a request to the relevant authorities no later than the sixth month of absence from work. By signing the assignment, you authorise Generali to receive a direct reimbursement from a social insurance provider when they provide benefits.

For as long as your absence from work as defined by your attending doctors can be justified according to our General Policy Conditions. The maximum benefit period is defined in the insurance policy, which is generally 730 days with or without counting the waiting period selected by your employer.

We will inform you, by post, that the payment of the daily allowance will come to an end and that you must return to work. If your employment contract has been terminated, you must submit a request for unemployment insurance. If your doctor believes that returning to work would not be suitable given your state of health, they must send a detailed medical report to the Generali company doctor to re-assess your case.

The name of your contact person is shown on the first letter or e-mail that you received. Please feel free to call us on 0800 881 882 or via e-mail at claims.ch@generali.com.