A revised portability agreement for daily sickness benefits takes effect on 1 January 2027. It clarifies who pays when insurers change and protects employers unable to find cover.
Advance payment obligation: If responsibility is unclear, the previous insurer continues to pay provisionally.
Allocation: Employers unable to find a collective solution despite their own efforts are allocated to a participating insurer. Three documented refusals are required. Employers who caused the situation themselves, for example through a breach of the duty of disclosure, premium arrears, insurance abuse or intentional deception, are excluded. Those already without cover on 1 January 2027 may apply from 1 July 2027 at the earliest.
Allocated contracts run for at least two years.
Daily sickness benefit insurance remains voluntary: employers are not required to take out insurance. The agreement does not apply to personal insurance for self-employed people.
A change involves more than responsibility: the current state of case management should also be handed over so that an ongoing case does not start from scratch.
How A+H can help
A+H supports companies in managing absences under daily sickness benefit insurance. When insurers change, we ensure ongoing cases are handed over properly and case management continues without interruption in the first weeks. With our medical partner AcciMed, a specialist medical assessment can be arranged from day 3 or as agreed.
Source: SVV, «Das neue Freizügigkeitsabkommen KTG: Das Wichtigste im Überblick», 9 October 2026. svv.ch