DS
Pilot statement
CFO
Industrial company, Aargau
"The KTG check showed in 30 minutes where we had been losing money year after year. After the restructuring, premiums fell and long-term cases measurably decreased."
For companies with 50+ employeesFor companies with 50+ employees
The absence isn't the problem
The system is
During the waiting period the case runs without anyone assessing work capacity in relation to the actual workplace. A+H Broker steps in on the insurance structure and on early medical intervention from day 7, 14 or 30.During the waiting period the case runs without anyone assessing work capacity in relation to the actual workplace. Then further weeks pass until the power of attorney and the medical report are in place – by then the course is usually set. It is not the illness alone that prolongs the absence, but the passage of time.A+H Broker steps in exactly there: on the insurance structure and on early medical intervention from day 7, 14 or 30 – with an assessment that knows the actual workplace. The free KTG check shows in 30 minutes where your biggest lever lies.
CHF 24 bn.
Absence costs Switzerland per year
218 days
Ø duration of mental-health KTG cases
66.8 %
Long-term absences due to mental health
The four weak points
Where companies
are losing money today.
Those who only insure react. Those who steer, win.
High KTG premiums
Rates rise without the loss ratio justifying it.Rates rise year after year without the loss ratio objectively justifying this development.
Rising absences
Long-term mental-health cases are increasing without HR being able to respond.Long-term mental-health cases are increasing without the HR department being able to respond structurally.
Lack of transparency
HR only sees absences once the costs have already been incurred.Management and HR only see absences once the costs have already been fully incurred.
Delayed steering
Without early intervention, cases drag on and burden the premium.Without early intervention, cases systematically drag on and place a significant burden on the premium, the team and management.
Solutions
We don't just manage insurance.
We steer the root causes of costs.
Intervention tiers
Medical assessment from day 7, 14 or 30. You choose the tier that fits your business.Three tiers that differ in timing and depth. Tier 1 starts with an initial medical triage from day 30, tier 2 from day 14. Tier 3 begins from day 7 and steers complex cases throughout the entire benefit period. We define which tier fits together with you and, where relevant, your broker. The insurer policies the chosen tier; on top of it sit three freely combinable service layers, with Basic always included. If the annual evaluation shows that another tier fits better, we adjust it.
AcciMed: assessment and case steering
First contact within 72 hours, workplace-related assessment, report within ten days.First contact within 72 hours, a medical video consultation of up to 60 minutes, digital power of attorney signed directly in the meeting. Work capacity is assessed in relation to the actual workplace – partial work capacity instead of blanket 100% incapacity to work. It is recorded in the reWork Profile, the official instrument of Compasso with the SIM work-capacity certificate. Within ten days HR receives the prognosis with recommended action, and the insurer receives the report for the benefits review.
Negotiation basis
Risk profile, waiting-period analysis and full-cost calculation as the basis for talks with the insurer.Risk profile, waiting-period analysis and full-cost calculation as the basis for the conversation with the insurer. We analyse your loss experience over the past three to five years, show which part of the absence costs falls on you and which on the insurer, and calculate through the effect of early intervention on the loss ratio and the premium. Those who can explain their claims history and demonstrate active steering negotiate differently – and don't simply have to accept the next restructuring.
Contract architecture
KTG policy, waiting period and rules that make early case steering possible – anchored in special conditions or employment regulations.From the design of the KTG policy through the waiting period to the rules that make early case steering possible in the first place. We anchor the basis for involving AcciMed either in the insurer's special conditions or in your employment regulations – we provide sample clauses. The power of attorney for the medical information is signed digitally by the person concerned during the initial consultation.
72 hours, ten days – contractually fixed
First contact within 72 hours, report within ten days – anchored in the SLA.The insurer receives the medical report with workplace context, prognosis and partial work capacity; the power of attorney is already in place. All deadlines are set out in the SLA: first contact within 72 hours, report within ten days. In the Professional and Premium service layers we also monitor whether the insurer keeps its own commitments and intervene when they slip.
Already have a broker?
Then the model runs through them. They keep the mandate – we bring the specialist depth.Then the model runs through them. They remain your point of contact and keep the mandate – we bring the specialist depth and anchor the model with the insurer. Simply raise it with them, or put us in touch.
The right contract
MODULE
The right module
There are many good modules built around work capacity – absence software, psychosocial situation analyses, on-site case management. None fits every company. That is why we do not tie ourselves to any single one, but choose the right combination together with you.
Already using an absence system?
Then keep it – we work with it.
Is the psychosocial situation the priority?
We add a structured analysis.
Does the case need on-site support?
We bring in specialised case management.
The only constant is the medical assessment by AcciMed – the tools around it are chosen case by case, from your existing system to a dedicated solution.
Key figures
Insured is
not steered.
Swiss industry data and the optimisation potential we make visible in the KTG check.
Projection MQ / Netzwerk Risikomanagement 2021
Absence costs Switzerland
CHF 0 bn.
Incl. continued wage payment, temporary replacement, productivity loss
FSO AVOL 2024
Long-term absences: mental health
0.0 days
Swica study / GFCH
Ø duration mental-health KTG case
0 days
Ecoplan / FOPH 2025
Premium increase, mid-sized companies
0 %
49–249 employees, last 5 years
Swiss SME reality
Long-term absences vs. active contact during absence
with long-term absencescontact maintained
5–9 emp.
10–49 emp.
50–249 emp.
German CH
French CH
Compasso Employer Study 2024 (n=300, SMEs 5–249 employees). Share of companies in percent, by size and language region.
SME status
What companies have today
- Daily sickness benefit insurance86 %
- Systematic absence management69 %
- Case management actively used30 %
- Workplace health management19 %
SourceCompasso 2024 · n=300
Sources: Projection MQ / Netzwerk Risikomanagement 2021, FSO AVOL 2024, Swica study / GFCH, Ecoplan / FOPH 2025, Compasso Employer Study 2024 (n=300, AmPuls Market Research).
Our approach
From the KTG check to daily operations.
Five steps in which HR, management and finance each know what to expect.
KTG check
Current policy, loss experience of the past three to five years, absence structure. After 30 minutes you know where the biggest lever lies – free of charge and non-binding.
Model selection
Together we define the day medical assessment starts – 7, 14 or 30 – and which service layer fits. The claims load and waiting period are decisive; the insurer policies the chosen tier.
Anchoring
Involving AcciMed requires a legal basis – either from your employment regulations or from the insurer's special conditions. One of the two must cover early medical intervention. We provide sample clauses and align the wording with you.
Rollout
Set up the reporting channel, train HR, inform employees. You receive fact sheets and presentation materials ready-made – you don't have to draft anything yourself.
Operation and review
We monitor compliance with deadlines, step in when things slip and evaluate the impact annually. If another tier turns out to fit better, we adjust it.
AW
Pilot statement
Head of HR
Hospital group, Central Switzerland
"Finally a broker who understands our reality. The early medical intervention relieves our team, and the reporting gives management a new language."
TI
Pilot statement
CEO
Logistics company, Mittelland
"We had three brokers before. A+H Broker is the first that doesn't just administer absences but actively steers them. Calm, precise and with a depth we could never have built internally."
Anonymised statements from current pilot mandates. Full references available on request.
DS
D. S.
CFO
Industrial company, Aargau
01 / 03
"The KTG check showed in 30 minutes where we had been losing money year after year. After the restructuring, premiums fell and long-term cases measurably decreased."
Anonymised statements from current pilot mandates. Full references available on request.
Frequently asked questions