What does working with A+H Broker cost?

Two transparent models: A) brokerage paid by the insurer with activity reporting; B) flat fee paid by the client — the commission flows back as a premium reduction. First consultation free.

We already have a broker. Can A+H Broker still help?

Yes. A+H Broker can act as a silent specialist partner, provide a 2nd opinion, run claims management or open AcciMed access for your clients. Your existing broker keeps the client relationship.

From what company size does cooperation make sense?

Core target: companies with 50–5,000 employees. Stop-loss concepts: from approx. 1,000–1,500 employees. Smaller firms get a KTG basic check.

Is A+H Broker really independent?

Fully independent. No volume agreements, no insurer ties. Compensation is agreed upfront and disclosed in writing.

How long until my KTG insurance is optimised?

First findings within 2–3 weeks. Full tender and repositioning typically 2–4 months.

A+H · Absence and Health

Work capacity is the strategic
topic of the coming years

Negotiated by us — medically assessed.

Insurance technique and medical practice – two roles, one process. For daily sickness benefits insurance, accident insurance and absence cases.

CHF 24 bn.

Absence costs Switzerland

8.5 days

Avg. absence days per employee

66.8 %

Mental-health-related long-term absences

Free KTG Check

Insurance

A+H GmbH · Specialist partner for work capacity

Medicine

AcciMed · The medical backbone

A+H GmbH

Specialist partner for work capacity

Health and personal insurance

Bridge between insurer, HR, broker and AcciMed
Processes, SLAs, reporting and rollout logic
Translates early intervention into KTG value and pricing

AcciMed

The medical backbone

Workplace-related and neutral

Medical early intervention from day 7, 14 or 30
Structured medical certificate following the ReWork profile
Prognosis, partial work capacity, limitations

Clear roles, one shared mandate: A+H leads the insurance-technical steering, AcciMed the medical assessment.

Independent, insurer-neutral and regulatorily cleanly separated.

About A+H

Health is the defining business topic of our time.

A+H is the first Swiss provider specialising in work capacity and health topics, with demonstrated expertise in daily sickness benefits insurance (KTG) and accident insurance.

Insurance strategy, medical assessment and active absence management — through the interplay of A+H and the specialist unit AcciMed.

Specialist, not generalist

KTG, UVG and work capacity — exclusively. Deep expertise instead of one topic among many.

Negotiating power through substance

Whoever steers their cases and knows their data negotiates differently with the insurer. This is exactly where insurance technique and medicine interlock. Where a broker mandate already exists, we do not take its place: we work in parallel as a specialist and contribute the substance for KTG, UVG and work capacity.

Freely combinable: timing and scope

Medical early intervention starts from day 7, 14 or 30 — depending on claims burden and waiting period. On top, you choose the scope of A+H's support: from the documented claims process to active case steering with employment-law advice and disability insurance (IV) coordination. Every combination is possible; we derive the right one from your absence rate and risk profile.

Full cost transparency

The standard route is the policy: intervention level and service layer are policied as fixed surcharges on the payroll and settled through the premium — with no separate fees and no volume incentives. Where that is not possible, for example because the insurer is not affiliated, we bill you directly, generally by effort. Which variant applies, and at what rates, we set out in the offer.

Modular

The right tool for every client — existing absence software, situation analysis or case management. We are not bound to any one tool and choose what fits. What stays constant is the medical assessment by AcciMed.

How modern absence steering works

Effectively steered.

Analysis

We review your KTG structure, the claims performance of the last three to five years and your absence patterns — and show where the biggest lever lies. The KTG check takes 30 minutes and is free of charge.

KTG structure, 3–5 years' claims performance and absence patterns reviewed. KTG check: 30 min., free.

Free KTG Check

Model Selection

Together we determine from which day the medical early intervention starts — day 7, 14 or 30 — and which service layer fits. What matters is the claims burden, waiting period and risk profile, not a standard package.

Determine the start of early intervention (day 7/14/30) and the matching service layer.

Anchoring & Rollout

We anchor the process in the insurer's special conditions or in the works regulations, set up the reporting channel and inform your employees. We supply template wording and information sheets.

Anchor the process in conditions/works regulations, set up reporting channel, inform employees.

Steering & Review

We monitor compliance with the service levels, intervene in case of deviations and evaluate the impact annually. If a different intervention level proves to be a better fit, we adjust it.

Monitor service levels, annual impact evaluation, adjust intervention level as needed.

Case Reporting

One report. That's all it takes.

One of the most common questions from companies: how do I report an absence case? The answer is refreshingly simple — through your existing absence tool, such as UKA, or straightforwardly directly to AcciMed. No new system, no rollout, no training. From there, AcciMed takes over.

Straightforward reporting

As soon as the absence reaches the agreed day, HR reports the case to AcciMed — through the familiar tool or with the affected person's contact details. You decide which route fits your processes.

First contact within 72 hours

AcciMed makes contact within 72 hours, conducts the medical conversation of up to 60 minutes, and obtains the authorisation digitally.

Report within 10 days

HR receives the prognosis and partial work capacity, the insurer the report for the benefits assessment. Every step is documented.

Voices from pilot mandates

What clients say.

„Since the pilot phase with A+H, our KTG premiums have noticeably decreased and case management runs in a structured way. Our employees feel professionally looked after."

Head of HR

Industrial Group · Zurich

„A+H does not just administer absences — they actively steer them. Early intervention saves us significant costs and noticeably relieves our managers."

Head of Finance

Healthcare Group · Central Plateau

„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."

Head of People & Culture

Services Company · Basel

„The strategic advisory from A+H has restructured our risk costs. Clear reporting and calm support even in complex cases."

Executive Management

Construction Company · Ticino

„The medical expertise in the background makes the difference. Complex cases are resolved calmly, fairly and with genuine understanding for our employees."