Income protection in Switzerland

Employee illness: salary continuation, insurance and certificate

During illness, salary continuation may arise from the Code of Obligations, a collective agreement, the employment contract or group insurance. Identify the solution that actually applies before interpreting a payslip or absence.

2026-08-294 Official sources
Employee illness: salary continuation, insurance and certificate

Distinctions that control the next step

Check employment documents

Review the employment contract, staff rules, any collective agreement and the group-insurance notice. They identify who handles absence and which conditions require verification.

Keep the certificate to its purpose

SECO says a certificate proves full or partial inability to work and should contain no diagnosis. Give it only to the legitimate recipient through its designated channel, never to ClairAssur.

Request a written breakdown

Ask the employer to separate salary continuation, any insurance allowance and deductions. A written explanation identifies the rule relied on without validating it.

Verify the route in four steps

Identify the system, documents already held and competent body before drawing a conclusion; sensitive material remains in that body's official channels.

  1. Check employment documents

    Review the employment contract, staff rules, any collective agreement and the group-insurance notice. They identify who handles absence and which conditions require verification.

  2. Keep the certificate to its purpose

    SECO says a certificate proves full or partial inability to work and should contain no diagnosis. Give it only to the legitimate recipient through its designated channel, never to ClairAssur.

  3. Request a written breakdown

    Ask the employer to separate salary continuation, any insurance allowance and deductions. A written explanation identifies the rule relied on without validating it.

  4. Obtain written confirmation

    Contact the competent employer, insurer, AI office or pension institution directly and use only its secure channel.

Limits and essential checks

  • This page does not decide whether a certificate is sufficient, validate an absence or resolve an employment dispute.
  • General information only: no incapacity is assessed automatically and no diagnosis is made.
  • No entitlement, amount, deadline, rate, acceptance or contract change is promised; only the competent body may decide under the applicable rules.
  • ClairAssur is not a reporting channel: do not send documents, health data, diagnoses, claim numbers or free-text case descriptions here.

Official sources

Sources are shown in an available official language; the current text and the competent body's decision prevail.

Next step

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