Voluntary Daily Sickness Allowance: Who Qualifies and What You Get
Learn how self-employed musicians in Switzerland can secure income replacement through this voluntary sickness allowance.
This is a voluntary scheme designed to provide income replacement for self-employed musicians who become too ill to perform their work.
Who it's for
This scheme is specifically for self-employed musicians.
What you get
If you become too sick to perform your professional duties, this allowance provides income replacement to help cover your living costs while you recover.
What it costs you
To have this protection, you must pay a monthly premium to a private insurer. While there is a regular cost, it is highly recommended for those who rely on gig-based income to survive.
The catch to know
You may not receive money immediately after falling ill. There can be long waiting periods before the payments begin, so you should check the specific "waiting days" clause in your policy very carefully.
How to apply
- Research private insurers that offer coverage regulated by federal standards.
- Compare different premium costs and waiting period options.
- Submit an application to your chosen private insurer.
- Maintain your monthly premium payments to ensure your coverage remains active.