Rethinking KTG — before the next premium increase arrives.
The classic KTG policy was built at a time when absences were primarily physical and most cases were resolved after a few weeks. That time has passed. Today, mental illness, long COVID and complex multiple diagnoses define the picture — often with durations of six to twenty-four months.
Many Swiss companies still work with contracts based on the old logic. Case management and medical steering frequently come into play only after a case has long since escalated. The economic impact therefore falls well short of what would be achievable.
At A+H Broker we bring together insurance optimisation, early medical intervention and risk analysis. In the free KTG Check we show in around 30 minutes exactly where the biggest lever is for you.