{"id":9426,"date":"2026-03-02T10:03:02","date_gmt":"2026-03-02T09:03:02","guid":{"rendered":"https:\/\/www.big-brokers.ch\/?p=9426"},"modified":"2026-03-02T10:03:02","modified_gmt":"2026-03-02T09:03:02","slug":"strategic-choice-ipgm-policy-switzerland","status":"publish","type":"post","link":"https:\/\/big-brokers.ch\/en\/news\/strategic-choice-ipgm-policy-switzerland\/","title":{"rendered":"Companies and freelancers: how to choose the IPGM policy"},"content":{"rendered":"<p>Over the last ten years,<strong>the landscape of sickness-related absences in Switzerland has undergone a significant evolution<\/strong>, with direct repercussions on the market for daily allowance insurance (IPGM).<\/p>\n<h2>A marked increase in workplace absences<\/h2>\n<p>According to the latest data, <strong>absences for health reasons have grown<\/strong> significantly. Particularly noteworthy is the increase in <strong>psychological diagnoses<\/strong>, <strong>risen<\/strong> by approximately <strong>60%<\/strong> over the last decade.<\/p>\n<p>Absences attributable to mental health disorders are not only more frequent but also have a longer average duration compared to physical pathologies: approximately 218 days, nearly two months longer than somatic cases.<\/p>\n<p>The overall average absence per employee has also increased substantially, rising from 6.3 days to 8.5 days per year\u2014an increase of about one-third.<\/p>\n<p>In parallel, <strong>costs for insurers have grown consistently<\/strong>: in 2024, benefits paid out reached 12 billion francs, an increase of 4.4 billion compared to 2010.<\/p>\n<h2>The causes of a complex dynamic<\/h2>\n<p>The observed evolution is primarily attributable to three structural factors:<\/p>\n<ul>\n<li>the <strong>growth of mental health disorders<\/strong> and work-related stress;<\/li>\n<li>the medium-term effects of the <strong>Covid-19 pandemic<\/strong>;<\/li>\n<li>the <strong>ageing of the active population<\/strong>.<\/li>\n<\/ul>\n<p>These elements are profoundly altering the risk profile of companies and, consequently, the technical balance of insurance portfolios.<\/p>\n<h2>The reaction of insurance companies<\/h2>\n<p>Faced with this cost pressure, companies are adopting containment measures and revising their commercial policies. Key trends include:<\/p>\n<ul>\n<li><strong>cancellations of existing contracts<\/strong> with unfavorable technical performance;<\/li>\n<li>significant <strong>increases in the premium at the renewal stage<\/strong>;<\/li>\n<li>stricter underwriting criteria for new contracts;<\/li>\n<li><strong>greater selectivity<\/strong> in accepting companies with high claims ratios.<\/li>\n<\/ul>\n<p>In some cases, businesses are facing premium increases exceeding 200% or repeated rejections from multiple insurers.<\/p>\n<h2>Possible regulatory updates<\/h2>\n<p>The Swiss Insurance Association (SIA\/ASA) has announced its intention to <strong>introduce<\/strong>, likely starting from 2027, several <strong>measures aimed at strengthening system stability<\/strong>.<\/p>\n<p>Among the proposals under discussion:<\/p>\n<ul>\n<li>in the event of a change of insurer or employer, if it is not immediately clear which company is responsible for an ongoing illness case, <strong>the previous insurer<\/strong> should <strong>advance the benefits<\/strong> until the definitive clarification of jurisdiction;<\/li>\n<li>companies that cannot obtain coverage \u2013 for example, after being rejected by at least three insurers or in the presence of unsustainable premium increases \u2013 should be <strong>readmitted by the last insurer<\/strong> or officially assigned to another operator.<\/li>\n<\/ul>\n<p>These interventions aim to avoid coverage gaps but could lead to a redistribution of risks within the market.<\/p>\n<h2>A context requiring specialized expertise<\/h2>\n<p>In this increasingly complex scenario, for companies and freelancers, the choice of an IPGM policy can no longer be addressed solely on the basis of the premium.<\/p>\n<p>Elements that become central include:<\/p>\n<ul>\n<li>duration of benefits;<\/li>\n<li>waiting periods;<\/li>\n<li>coordination with other social and private coverages;<\/li>\n<li>contractual conditions in case of cancellation or ongoing claims;<\/li>\n<li>the insurer&#8217;s solidity and risk management policy.<\/li>\n<\/ul>\n<h2>Why rely on a broker: the advantages<\/h2>\n<p>The role of a specialized broker consists of <strong>analyzing the company&#8217;s risk profile<\/strong>, negotiating sustainable conditions, and <strong>accompanying the entrepreneur through critical phases<\/strong> of renewal or coverage restructuring, reducing administrative impact and management stress.<\/p>\n<p>In an evolving market, a structured consulting approach represents a decisive factor today for ensuring continuity of coverage and financial stability.<\/p>\n<p><strong><u><a href=\"https:\/\/big-brokers.ch\/en\/contact-us\/\" target=\"_blank\" rel=\"noopener\">Contact us now<\/a><\/u> for a dedicated consultation<\/strong>, together we will find the most suitable policy.<\/p>\n<p><i>The information provided does not constitute a contract and does not bind the broker or the insurer, for whom the contractual conditions signed between the parties apply. Carefully read the policy information set before signing.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Over the last ten years,the landscape of sickness-related absences in Switzerland has undergone a significant evolution, with direct repercussions on the market for daily allowance insurance (IPGM). A marked increase in workplace absences According to the latest data, absences for health reasons have grown significantly. Particularly noteworthy is the increase in psychological diagnoses, risen by [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":9423,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[],"class_list":["post-9426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IPGM Policy Switzerland: Strategic Guide and 2027 News<\/title>\n<meta name=\"description\" content=\"Sickness absences are rising in Switzerland: learn how to strategically choose your IPGM policy and why a broker&#039;s support is now essential.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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