Soluzioni globali e servizio di prim’ordine
La forza dei nostri prodotti: innovazione e orientamento alla soluzione
elipsLife offre coperture assicurative in caso di malattia, infortunio, invalidità e decesso. Molte imprese si trovano ad affrontare esigenze di copertura cui solo un assicuratore flessibile può rispondere. elipsLife ha elaborato modelli di trasferimento del rischio ottimali per tutte le problematiche assicurative, siano esse legate alla mobilità degli alti dirigenti, a operazioni di ristrutturazione, a fusioni o acquisizioni, al passaggio dal primato delle prestazioni a quello dei contributi, alla protezione di quote societarie o alla salvaguardia di diritti acquisiti.
elipsLife e RBM Salute offrono prodotti interessanti ai membri di gruppi collettivi nel mercato italiano. Sono disponibili diversi pacchetti per la copertura di rischi quali morte, invalidità e perdita di impiego. Le soluzioni proposte sono denominate Silver, Gold e Platinum e coprono diverse aree di rischi.
La soluzione Silver comprende due prodotti: Capitale per decesso e Invalidità totale e permanente.
La soluzione Gold comprende tre prodotti: Capitale per decesso, Invalidità totale e permanente e Assistenza a lungo termine.
La soluzione Platinum è quella più completa e comprende quattro prodotti: Capitale per decesso, Invalidità totale e permanente, Assistenza a lungo termine e Perdita di impiego involontaria.
Exceptional products: solution-oriented and innovative
elipsLife offers insurance against the financial impact of illness and accident. We focus on the specific risks and needs of the client at all times, with a range of products for both companies and brokers. These are:
Daily sickness benefit insurance
elipsLife daily sickness benefit insurance gives your business full peace of mind if one of your employees falls ill and becomes incapacitated. Comprehensive cover avoids any gaps and provides the benefits the employer wants and needs.
Entitlement to wage replacement benefits in the case of sickness-related incapacity to work is governed by the Swiss Code of Obligations, but ends after only a few short months. elipsLife closes this coverage gap with competitive daily sickness benefits insurance under the Swiss Insurance Policies Act (IPA). Following a qualification period determined by the employer, elipsLife solutions guarantee that they will be compensated for continuing to pay a sick employee’s salary – for up to two years.
Case management as an additional service
Case management forms part of our corporate health management (CHM) program, which helps companies to prevent illness, manage repeated absences and reintegrate its employees into the workforce. Professional case management keeps your daily sickness benefit insurance premiums steady and can even reduce them. Click here for more information.
Accident insurance
Mandatory accident insurance
Insurance against occupational accidents and illnesses is compulsory for all employees in Switzerland and Liechtenstein under the Swiss Accident Insurance Act (AIA) and the Liechtenstein Accident Insurance Act (UVersG) respectively. What’s more, all employees who work more than eight hours a week for the same employer must also be insured against non-occupational accidents.
elipsLife mandatory accident insurance provides all of the elements of cover required by law, such as wage replacement benefits in the form of a daily allowance if an employee is unable to work, the necessary benefits to cover care, and pension benefits in the event of disability and death.
Supplementary accident insurance
Supplementary accident insurance extends the benefits paid under mandatory accident insurance in line with the client’s particular needs. It is a good choice
- for employees paid more than the maximum covered by the AIA.
- for the entire workforce over and above mandatory AIA benefits. For example, it might pay for inpatient hospital treatment on a private ward, or additional lump-sum benefits in the event of death or disability.
- to insure special risks for which cover is limited or excluded under mandatory accident insurance.
Occupational pension provision: reinsurance solutions for biometric risks
Reinsurance for occupational pensions enables companies’ own pension funds and collective foundations to insure the biometric risks of disability and death with elipsLife.
The advantages of congruent reinsurance from elipsLife:
- Benefits are replicated and insured in accordance with the Pension Regulations
- No over- or underinsurance
- Case management forms an integral part of reinsurance
Cover as set out in its regulations enables the pension fund to budget with certainty and to focus on the challenges of occupational pension provision. The fund can also hand over the management of death and disability cases to elipsLife to keep its own administrative costs down.
Case management forms an integral part of any chosen elipsLife reinsurance solution. It benefits corporate clients with their own pension funds, and their employees, because it provides active support in the face of disability or a person becoming unable to work.
Nostri prodotti
Infortuni: elipsLife offre una copertura assicurativa contro le conseguenze economiche derivanti degli infortuni professionali e non professionali attraverso una polizza personalizzabile che si adatta alle esigenze di ogni cliente.
Invalidità Permanente da Malattia (IPM): elipsLife offre abbinata al prodotto infortuni, una copertura contro le conseguenze economiche derivanti da invalidità permanente da malattia sia che derivino da obblighi da CCNL che da accordi aziendali.
Überzeugende Produkte: lösungsorientiert und innovativ
elipsLife bietet Versicherungen für Krankheit, Unfall, Invalidität und Tod an. Viele Unternehmen sind mit Deckungsfragen konfrontiert, die einen flexiblen Risikoträger erfordern. Seien es Versicherungsfragen rund um die demografische Entwicklung in Unternehmen, Fachkräftemangel, Mobilität von Topmanagern, Restrukturierungen, Mergers & Acquisitions, Sicherung von Unternehmensanteilen oder Besitzstandswahrung – elipsLife hat für alle Problemstellungen optimale Risikotransfermodelle erarbeitet.
Betriebliche Einkommenssicherung
- Arbeitsunfähigkeitsrente
- Einkommenssicherungsrente
- Todesfallkapital
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WGA Supplementary Insurance
WGA Own Risk Group Insurance
Individual Disability Insurance
Survivor Group Insurance
Orphan’s Insurance
WIA Excedent Insurance; WIA Onderbouw Insurance
Nostri prodotti
Infortuni: elipsLife offre una copertura assicurativa contro le conseguenze economiche derivanti degli infortuni professionali e non professionali attraverso una polizza personalizzabile che si adatta alle esigenze di ogni cliente.
Invalidità Permanente da Malattia (IPM): elipsLife offre abbinata al prodotto infortuni, una copertura contro le conseguenze economiche derivanti da invalidità permanente da malattia sia che derivino da obblighi da CCNL che da accordi aziendali.
La forza dei nostri prodotti: innovazione e orientamento alla soluzione
elipsLife offre coperture assicurative in caso di malattia, infortunio, invalidità e decesso. Molte imprese si trovano ad affrontare esigenze di copertura cui solo un assicuratore flessibile può rispondere. elipsLife ha elaborato modelli di trasferimento del rischio ottimali per tutte le problematiche assicurative, siano esse legate alla mobilità degli alti dirigenti, a operazioni di ristrutturazione, a fusioni o acquisizioni, al passaggio dal primato delle prestazioni a quello dei contributi, alla protezione di quote societarie o alla salvaguardia di diritti acquisiti.
Anw Gap insurance
The Anw Gap insurance provides more financial security for the spouse of the insured person in the event of death. In case of death of the insured person, he / she will receive a monthly benefit. In addition to the elipsLife Anw Gap insurance, elipsLife also offers Anw Gap insurance specific groups:
Anw Gap Insurance - click here for more information about elipsLife Anw Gap Insurance.
Anw Gap insurance for the police - click here for more information
Anw Gap insurance for civil servants, university of applied sciences staff and university staff - click here for more information
Anw Gap insurance for Defense employees - click here for more information
Survivor's pension
Survivor's pension is the pension for the spouse and children of the insured person in case of death. We also call this partner's pension and orphan's pension. Click here for more information about the elipsLife survivor's pension.
Currently not all information is available in Dutch.
WGA Plus Insurance
With WGA Plus Insurance by elipsLife employers protect their employees against the financial consequences of a partial disability. Click here for more information about WGA Plus.