| || |
| || || |
| || |Hi all, I know this is an old post but I need help.
On the 2nd of February I will start a new job: it is 80% for 9 months. I will get a salary based on the hours worked. The company pays 3.4% for sickness insurance, but I have been asked (it is mandatory) to stipulate a private sick pay insurance (krankentaggeldversicherung).
I checked with my krankenkasse (Assura) and they can insure me only from the 31st day of sickness. I asked the HR department what happens if I am sick for 1/2 days and they told me that if I stay home I will not be paid.
I tried to contact other insurance companies: if I want to be insured from day 1 (which doesn't happen because they insure only from the 3rd) I have to pay a LOT of money (560CHF/month).
Is true that the company has to pay the first 3 weeks of sickness? If so I can stipulate the insurance starting form the 31st day.... and save a bit of money.
I wanted to check the link below (http://www.arbeitsrecht-info.ch/krank.htm) but it doesn't work anymore. Do you have any suggestion about where I can find official information?
| || || |
Krankentaggeldversicherung is not a mandatory insurance. Companies may or may not undertake one. It makes no sense that they would deduct a proportion of your salary for it, but ask you to undertake a private one as well. Are you sure the 3.4% deduction are not referring to the accident insurance?
Does it say anything about sickness pay (generally I mean) in your contract? Since you're not hired permanently, the rules might be different. You are right to be careful, not only in the first month, but beyond that.
Do you have a probation period in your contract? It's unusual for temporary contracts, but not unheard of. It is normal for companies (or rather the company's insurance) not to cover sick pay during the probation period at all, even for permanent employees, though many will turn a blind eye and pay regardless.
However, bottom line is that companies/the company's insurance do NOT absolutely have to pay the first three weeks of a sickness-related absence and it may well be that they won't.
Please note that if you fall sick during the probation period, you are also not protected against termination of contract.
As Sbrinz says, note that accidents, both occupational and non-occupational, are covered by a different insurance and follow different rules.