Daily allowance insurance
In one sentence
The insurance that replaces income during an inability to work due to illness.
What it changes for you
It is not compulsory for employees, and that is where the risk sits: without it, the employer owes salary for only a few weeks under the Bern or Zurich scale, then nothing until a possible disability pension, which often takes over a year. For a self-employed person it is the only net between stopping work and stopping income.