PI
Pilot Statement
Head of HR
Industrial Group · Zurich
"Since the pilot phase with A&H Broker, our KTG premiums have noticeably decreased and case management runs in a structured way. Our employees feel professionally looked after."
A&H Broker GmbH · Switzerland
Workplace capacity is the strategic
topic of the coming years.
A&H Broker combines insurance strategy, medical expertise and active absence management. Whether you are a company, broker or insurer — there is a tailored offering for every stakeholder.
CHF 24 bn.
Absence costs in Switzerland
8.5 days
Avg. sick days per employee
66.8 %
Long-term absences due to mental illness
About A&H Broker
Health is the defining business topic of our time.
Switzerland's first broker specialising in workplace capacity and health.
Demonstrated expertise in daily sickness allowance (KTG) and accident insurance. Insurance strategy, medical steering and active absence management from a single source.
01
Specialist, not generalist
We work exclusively on KTG, UVG and workplace capacity. That is our day-to-day business, not one topic among many — and precisely this focus creates the decisive difference in advice and outcome.
02
Negotiating power through substance
We enter every conversation with carefully prepared risk profiles and an insurance-medical assessment. Those who know and manage their costs negotiate differently — and usually better.
03
Modular toolkit
From the classic KTG policy to stop-loss and absence policies with waiting-period analysis. Every solution is tailored precisely to the specific company — not off-the-shelf.
04
Full cost transparency
Whether brokerage or fee: you see in writing what we earn. No hidden volume incentives, no conflicts of interest in the background — a clear and traceable remuneration basis.
Scientific Basis · FHNW
Analyses based on
FHNW research.
A&H Broker bases its advice and risk analyses on structured evaluations from the University of Applied Sciences and Arts Northwestern Switzerland (FHNW). Data instead of gut feeling — for companies, brokers and insurers.
01For Companies
Making stress profiles visible
FHNW-based analyses show where mental stress, pressure and absence risks arise in your organisation — before they turn into long-term cases.
02For Brokers
Argumentation backed by hard data
Structured FHNW metrics provide the foundation for well-founded advice, comparable benchmarks and consistently compelling mandate conversations.
03For Insurers
Risk assessment with substance
Scientifically grounded analyses improve data quality in underwriting and enhance the forecasting of claims developments in the KTG portfolio.
How modern absence management works
Effectively managed.
Analysis & Diagnosis
We analyse KTG structure, claims data and identify levers.
Concept & Architecture
Strategy for insurance, processes and case steering.
Implementation & Support
Support through rollout, coordination and AcciMed integration.
Continuous Optimisation
Reviews and early-warning systems for long-term stability.
Absence Management Tool
Report the case before it becomes costly.
One of the most common questions from companies: how do I report an absence case — quickly, in a structured way, and without friction? Our digital absence management tool provides the answer, integrated into the entire A&H Broker steering model.
Report a case in 60 seconds
Web and mobile: HR, managers or employees record absences in a structured way — without any media break.
Automatic early intervention
Defined triggers automatically initiate medical plausibility checks and first contact from day 7 onwards.
Complete case documentation
Every step recorded in audit-proof form, with reports for HR, management and insurers.
FG
Pilot Statement
Head of Finance
Healthcare Group · Mittelland
"A&H Broker does not just administer absences — they actively steer them. Early intervention saves us significant costs and noticeably relieves our managers."
PK
Pilot Statement
Head of People & Culture
Services Company · Basel
"Finally a broker that thinks KTG, case management and prevention through to the end. Discreet, precise and tailored to our reality — not a standard product."
GB
Pilot Statement
Executive Management
Construction Company · Ticino
"The strategic advisory from A&H Broker has restructured our risk costs. Clear reporting and calm support even in complex cases."
PD
Pilot Statement
Head of HR
Retail Group · Bern
"The medical expertise in the background makes all the difference. Complex cases are resolved calmly, fairly and with genuine understanding for our employees."
Anonymised voices from current pilot mandates. Full references available on request.
PI
Pilot Statement
Head of HR
Industrial Group · Zurich
01 / 05
"Since the pilot phase with A&H Broker, our KTG premiums have noticeably decreased and case management runs in a structured way. Our employees feel professionally looked after."
Anonymised voices from current pilot mandates. Full references available on request.
Insights & Knowledge
Strategies for modern workplace capacity
Frequently asked questions
Everything you need to know.
We work with two transparent models: Model A, brokerage commission paid by the insurer with expense billing. Model B, a flat fee paid directly by the client; in this case the commission flows back entirely as a premium reduction (net policy). In either case, you know exactly what you pay and why — no hidden commissions. The initial consultation is free of charge.