{"id":9984,"date":"2026-03-12T16:24:58","date_gmt":"2026-03-12T16:24:58","guid":{"rendered":"https:\/\/visavis.ch\/it-le-nostre-assicurazioni\/krankentaggeldversicherung\/"},"modified":"2026-07-06T07:46:08","modified_gmt":"2026-07-06T07:46:08","slug":"assicurazione-indennita-giornaliera-malattia","status":"publish","type":"page","link":"https:\/\/visavis.ch\/it\/le-nostre-assicurazioni\/assicurazione-indennita-giornaliera-malattia\/","title":{"rendered":"Assicurazione d\u2019indennit\u00e0 giornaliera per malattia"},"content":{"rendered":"<div class=\"wp-block-blueglass-hero bgb-hero bgb-hero--storytelling-carousel bgb-1672e140\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-0e6a21ca\"><div class=\"bgb-wrapper__container\"><nav class=\"wp-block-blueglass-breadcrumbs bgb-breadcrumbs bgb-1415eb9c\" aria-label=\"Breadcrumb\"><ol class=\"bgb-breadcrumbs__list\"><li class=\"bgb-breadcrumbs__item bgb-breadcrumbs__item--current\"><span class=\"bgb-breadcrumbs__current\" aria-current=\"page\">Home<\/span><\/li><\/ol><\/nav>\n\n<h1 class=\"wp-block-blueglass-heading bgb-fd5e990b\">Assicurazione d\u2019indennit\u00e0 giornaliera per malattia<\/h1>\n\n<figure class=\"wp-block-blueglass-image bgb-image bgb-d20db9c1\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-scaled.webp 2560w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-300x150.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-1024x512.webp 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-768x384.webp 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-1536x768.webp 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-2048x1024.webp 2048w\" type=\"image\/webp\"><img fetchpriority=\"high\" src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-1024x512.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-1024x512.jpg 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-300x150.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-768x384.jpg 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-1536x768.jpg 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Krankentaggeldversicherung-Header_2zu1-5zu4_3200x1600px-2048x1024.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"Assicurazione d\u2019indennit\u00e0 giornaliera per malattia\" loading=\"eager\" decoding=\"async\" width=\"1024\" height=\"512\" class=\"bgb-image__img\" style=\"object-fit:cover;object-position:46.890561058391% 27.918621151732%\"><\/picture><\/div><\/figure>\n\n<p class=\"wp-block-blueglass-paragraph bgb-0a0434a6\">Con un\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia vi assumete le vostre responsabilit\u00e0 di datore di lavoro. Con essa assorbite infatti le conseguenze finanziarie di malattie prolungate \u2013 per la vostra azienda e i vostri collaboratori.<\/p>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-cf548e9a\"><a href=\"#ausf\u00fchrendeInformationen\" class=\"wp-block-blueglass-button bgb-button bgb-button--secondary bgb-button--outline bgb-button--default bgb-17e77934\"><p class=\"wp-block-blueglass-paragraph bgb-450ec461\">Informazioni dettagliate<\/p>\n\n<div class=\"wp-block-blueglass-icon bgb-icon bgb-be358b5e\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M14.4 25.8709L14.4 -7.6932e-07L17.6 -6.29444e-07L17.6 25.8709L29.752 13.7189L32 16L16 32L7.60932e-07 16L2.248 13.7189L14.4 25.8709Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/a>\n\n<a href=\"#downloads\" class=\"wp-block-blueglass-button bgb-button bgb-button--secondary bgb-button--outline bgb-button--default bgb-8b4332af\"><p class=\"wp-block-blueglass-paragraph bgb-94e90ed6\">Download<\/p>\n\n<div class=\"wp-block-blueglass-icon bgb-icon bgb-990d0831\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M14.4 25.8709L14.4 -7.6932e-07L17.6 -6.29444e-07L17.6 25.8709L29.752 13.7189L32 16L16 32L7.60932e-07 16L2.248 13.7189L14.4 25.8709Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/a><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-fakten bgb-fakten bgb-fakten--angepasst bgb-22d49405\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-a25d43c5\"><div class=\"bgb-wrapper__container\"><h2 class=\"wp-block-blueglass-heading bgb-fe1a9410\">I principali aspetti<\/h2>\n\n<div class=\"wp-block-blueglass-grid bgb-grid bgb-a1af6b30\"><div class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-5ddb7999\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-a89d7916\"><span class=\"bgb-icon__svg\">\n<svg id=\"Reinzeichnung\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 48 48\">\n  \n  <path d=\"M29.25,6.1c-1.4-1.4-3.2-2.1-5.4-2.1s-4,.7-5.4,2.1c-1.4,1.4-2.1,3.2-2.1,5.4s.7,4,2.1,5.4c1.4,1.4,3.2,2.1,5.4,2.1s4-.7,5.4-2.1c1.4-1.4,2.1-3.2,2.1-5.4s-.7-4-2.1-5.4ZM27.08,14.72c-.85.85-1.92,1.28-3.22,1.28s-2.38-.42-3.22-1.28c-.85-.85-1.28-1.92-1.28-3.22s.42-2.38,1.28-3.22c.85-.85,1.92-1.28,3.22-1.28s2.38.42,3.22,1.28c.85.85,1.28,1.92,1.28,3.22s-.42,2.38-1.28,3.22Z\" fill=\"#0B7085\" \/>\n  <path d=\"M16.98,23.42c-2.12.62-4.03,1.31-5.72,2.07-1,.47-1.82,1.16-2.45,2.05-.63.9-.95,1.98-.95,3.25v11.7c0,.42.14.78.42,1.07.28.29.64.43,1.07.43s.79-.14,1.07-.43c.29-.29.43-.64.43-1.07v-11.7c0-.55.15-1.06.45-1.54.3-.48.68-.83,1.15-1.06,1.43-.7,3.09-1.33,4.96-1.88s4.02-.83,6.43-.83c2.19,0,2.24-3,.01-3-2.47,0-4.76.31-6.88.92Z\" fill=\"#0B7085\" \/>\n  <path d=\"M39.15,44.04h-11.5c-1.38,0-2.5-1.12-2.5-2.5v-11.5c0-1.38,1.12-2.5,2.5-2.5h11.5c1.38,0,2.5,1.12,2.5,2.5v11.5c0,1.38-1.12,2.5-2.5,2.5ZM28.15,41.04h10.5v-10.5h-10.5v10.5Z\" fill=\"#cced60\" \/>\n  <path d=\"M36.3,34.29h-1.41v-1.41c0-.83-.67-1.5-1.5-1.5s-1.5.67-1.5,1.5v1.41h-1.41c-.83,0-1.5.67-1.5,1.5s.67,1.5,1.5,1.5h1.41v1.41c0,.83.67,1.5,1.5,1.5s1.5-.67,1.5-1.5v-1.41h1.41c.83,0,1.5-.67,1.5-1.5s-.67-1.5-1.5-1.5Z\" fill=\"#cced60\" \/>\n<\/svg><\/span><\/div>\n\n<p class=\"wp-block-blueglass-paragraph bgb-9abe0a8f\">Assicurazione completa e sociale per i vostri dipendenti in caso di malattia<\/p><\/div>\n\n<div class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-e59a1a26\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-e1ff57bd\"><span class=\"bgb-icon__svg\">\n<svg id=\"Reinzeichnung\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 48 48\">\n  \n  <path d=\"M4.6,42.25c-.3,0-.56-.07-.78-.2s-.39-.32-.53-.55c-.13-.23-.21-.48-.23-.73s.06-.51.23-.78L22.7,6.5c.17-.27.36-.46.58-.58s.46-.18.73-.18.51.06.73.18.41.31.58.58l19.4,33.5c.17.27.24.53.23.78s-.09.49-.23.73-.31.42-.53.55-.48.2-.78.2H4.6ZM7.2,39.25h33.6L24,10.25,7.2,39.25Z\" fill=\"#0B7085\" \/>\n  <path d=\"M25.28,35.98c.28-.28.43-.64.43-1.08s-.14-.79-.43-1.08-.64-.43-1.08-.43-.79.14-1.08.43-.43.64-.43,1.08.14.79.43,1.08.64.43,1.08.43.79-.14,1.08-.43Z\" fill=\"#cced60\" \/>\n  <path d=\"M25.28,30.43c.28-.28.43-.64.43-1.08v-8.2c0-.43-.14-.79-.43-1.08s-.64-.43-1.08-.43-.79.14-1.08.43-.43.64-.43,1.08v8.2c0,.43.14.79.43,1.08s.64.43,1.08.43.79-.14,1.08-.43Z\" fill=\"#cced60\" \/>\n<\/svg><\/span><\/div>\n\n<p class=\"wp-block-blueglass-paragraph bgb-04bd18c0\">Consigliabile per tutti i dipendenti, obbligatoria in diversi settori conformemente al contratto colletivo di lavoro (CCL)<\/p><\/div>\n\n<div class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-7ec4bb92\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-28dca8b7\"><span class=\"bgb-icon__svg\">\n<svg id=\"Reinzeichnung\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 48 48\">\n  \n  <path d=\"M25.82,30H9.01c-1.65,0-3-1.34-3-3V9.99c0-1.65,1.34-3,3-3h29.99c1.65,0,3,1.34,3,3v12.08c0,.83-.67,1.5-1.5,1.5s-1.5-.67-1.5-1.5v-12.08H9.01s0,17.02,0,17.02h16.81c.83,0,1.5.67,1.5,1.5s-.67,1.5-1.5,1.5Z\" fill=\"#0B7085\" \/>\n  <path d=\"M36.18,44.03c-4.55,0-8.24-3.7-8.24-8.24s3.7-8.24,8.24-8.24,8.24,3.7,8.24,8.24-3.7,8.24-8.24,8.24ZM36.18,30.54c-2.89,0-5.24,2.35-5.24,5.24s2.35,5.24,5.24,5.24,5.24-2.35,5.24-5.24-2.35-5.24-5.24-5.24Z\" fill=\"#cced60\" \/>\n  <g>\n    <path d=\"M15.2,22.94c-.6,0-1.16-.09-1.69-.28-.53-.19-.99-.47-1.4-.85-.4-.38-.72-.84-.95-1.4-.23-.56-.34-1.2-.34-1.93s.12-1.37.35-1.92.55-1.02.96-1.39.88-.66,1.4-.85c.53-.19,1.08-.28,1.67-.28.74,0,1.41.12,1.99.37.58.25,1.06.59,1.42,1.03.36.44.58.95.65,1.53l-2.2.36h-.05c-.09-.42-.3-.76-.64-1.04-.34-.28-.74-.42-1.19-.42-.4,0-.77.1-1.11.29-.34.2-.61.49-.82.88-.2.39-.31.87-.31,1.45s.1,1.06.31,1.45c.2.39.47.68.81.88s.71.3,1.12.3c.47,0,.87-.13,1.21-.4.33-.27.54-.64.62-1.11l2.28.24c-.1.68-.35,1.25-.74,1.71-.39.46-.87.81-1.45,1.04-.58.23-1.21.35-1.9.35Z\" fill=\"#0B7085\" \/>\n    <path d=\"M25.82,22.82v-3.53h-3.24v3.53h-2.09v-8.65h2.09v3.3h3.24v-3.3h2.09v8.65h-2.09Z\" fill=\"#0B7085\" \/>\n    <path d=\"M29.58,22.82v-8.65h6.14v1.82h-4.06v1.42h3.26v1.82h-3.26v3.59h-2.09Z\" fill=\"#0B7085\" \/>\n  <\/g>\n<\/svg><\/span><\/div>\n\n<p class=\"wp-block-blueglass-paragraph bgb-a1c27788\">Costi del personale calcolabili, quindi protezione ottimale del vostro patrimonio<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-cta bgb-cta bgb-cta--light-text bgb-43d0ffa5\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-6449f6b9\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-f56f7ac1\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-8273ca5f\"><h2 class=\"wp-block-blueglass-heading bgb-d624ac41\">Siamo a vostra disposizione per una <mark class=\"has-inline-color has-green-color\">consulenza<\/mark><\/h2><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-e8cfb14a\"><p class=\"wp-block-blueglass-paragraph bgb-20fb881c\">Ha domande sull\u2019assicurazione d\u2019indennit\u00e0 giornaliera in caso di malattia? Oppure desidera un\u2019offerta concreta? Saremo lieti di ricevere il suo contatto.<\/p>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-a3c084a5\"><a href=\"https:\/\/visavis.ch\/it\/contatto\/\" class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--medium bgb-85a6f300\"><p class=\"wp-block-blueglass-paragraph bgb-70d63295\">Richiedere una consulenza<\/p><\/a>\n\n<a href=\"\/it\/le-nostre-assicurazioni\/richiesta-di-preventivo\/\" class=\"wp-block-blueglass-button bgb-button bgb-button--light bgb-button--outline bgb-button--medium bgb-40ae3f42\"><p class=\"wp-block-blueglass-paragraph bgb-f612101f\">Richiedere un&#8217;offerta<\/p><\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div id=\"ausf\u00fchrendeInformationen\" class=\"wp-block-blueglass-text bgb-text bgb-text--artikel-text bgb-400ad795\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-61b06ccb\"><h3 class=\"wp-block-blueglass-heading bgb-533bcec7\">L\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia in sintesi<\/h3>\n\n<p class=\"wp-block-blueglass-paragraph bgb-f7d8648a\">Con un\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia (IGM) vi assumete la vostra responsabilit\u00e0 sociale di datore di lavoro e mitigate le conseguenze finanziarie di malattie e maternit\u00e0 prolungate \u2013 per la vostra azienda e per i vostri dipendenti.<br><br>Secondo l\u2019art. 324a del Codice delle obbligazioni svizzero, i datori di lavoro sono soggetti all\u2019obbligo di pagamento continuato del salario che, per le aziende, pu\u00f2 comportare seri problemi finanziari. Il datore di lavoro, infatti, continua a pagare il salario fino a quando non intervengono le prestazioni statali come l\u2019AI e la LPP. Il periodo per il quale il datore di lavoro continua a pagare il salario dipende da vari fattori, tra cui il numero di anni di servizio del dipendente.<br><br>La sottoscrizione di un\u2019assicurazione IGM permette di mitigare questo rischio e, al contempo, di garantire migliori prestazioni ai propri dipendenti durante la malattia o la maternit\u00e0.\u00a0<\/p>\n\n<h4 class=\"wp-block-blueglass-heading bgb-5d13758f\">Prestazioni in % dello stipendio<\/h4>\n\n<figure class=\"wp-block-blueglass-image bgb-image bgb-4854dc67\" data-bgb-image-modal><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-scaled.webp 2560w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-300x155.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-1024x529.webp 1024w, 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https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-1536x794.jpg 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-2048x1058.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" alt=\"Grafico Assicurazione d\u2019indennit\u00e0 giornaliera per malattia\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"529\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><button class=\"bgb-image__zoom-btn\" data-bgb-image-zoom aria-label=\"Zoom image\"><svg width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M11.5944 23.1823C8.35667 23.1823 5.61477 22.0598 3.36867 19.8146C1.12289 17.5691 0 14.828 0 11.5912C0 8.35437 1.12289 5.61323 3.36867 3.36775C5.61477 1.12258 8.35667 0 11.5944 0C14.8321 0 17.574 1.12258 19.8201 3.36775C22.0658 5.61323 23.1887 8.35437 23.1887 11.5912C23.1887 12.9448 22.9615 14.2377 22.5071 15.4697C22.0524 16.7018 21.4459 17.7734 20.6875 18.6844L31.5969 29.5909C31.8595 29.8531 31.9938 30.1829 31.9998 30.5803C32.0058 30.9777 31.8715 31.3137 31.5969 31.5882C31.3223 31.8627 30.9893 32 30.5977 32C30.2065 32 29.8736 31.8627 29.599 31.5882L18.6896 20.6818C17.7416 21.4643 16.6514 22.0767 15.419 22.5189C14.1866 22.9612 12.9118 23.1823 11.5944 23.1823ZM11.5944 20.3396C14.0373 20.3396 16.1065 19.4921 17.8018 17.7969C19.4974 16.102 20.3452 14.0335 20.3452 11.5912C20.3452 9.14888 19.4974 7.08031 17.8018 5.38546C16.1065 3.69029 14.0373 2.84271 11.5944 2.84271C9.1514 2.84271 7.08226 3.69029 5.38694 5.38546C3.69131 7.08031 2.84349 9.14888 2.84349 11.5912C2.84349 14.0335 3.69131 16.102 5.38694 17.7969C7.08226 19.4921 9.1514 20.3396 11.5944 20.3396Z\" fill=\"currentColor\"\/>\n<\/svg>\n<\/button><\/div><dialog class=\"bgb-image-modal\" data-bgb-image-dialog><div class=\"bgb-image-modal__inner\"><button class=\"bgb-image-modal__close\" data-bgb-image-close aria-label=\"Close\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/button><div class=\"bgb-image-modal__content\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-scaled.webp 2560w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-300x155.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-1024x529.webp 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-768x397.webp 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-1536x794.webp 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-2048x1058.webp 2048w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-scaled.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-scaled.jpg 2560w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-300x155.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-1024x529.jpg 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-768x397.jpg 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-1536x794.jpg 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-KTG_Grafik-Deckungsleistung_IT-2048x1058.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" alt=\"Grafico Assicurazione d\u2019indennit\u00e0 giornaliera per malattia\" loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1323\" class=\"bgb-image-modal__img\"><\/picture><\/div><\/div><\/dialog><\/figure>\n\n<h3 class=\"wp-block-blueglass-heading bgb-eb99cdd5\">A chi si rivolge l\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia?<\/h3>\n\n<p class=\"wp-block-blueglass-paragraph bgb-87e122c2\">L\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia si rivolge sia ai datori di lavoro sia ai dipendenti. Stipulando un\u2019assicurazione di questo tipo, le aziende possono proteggersi dalle conseguenze finanziarie delle assenze per malattia dei propri dipendenti. Allo stesso tempo, i dipendenti assicurati sono protetti dalla perdita di guadagno durante i periodi di malattia in quanto continuano a percepire parte del loro salario come indennit\u00e0 giornaliera di malattia.<\/p>\n\n<h3 class=\"wp-block-blueglass-heading bgb-c2b7cc62\">Entit\u00e0 delle prestazioni dell\u2019assicurazione collettiva d\u2019indennit\u00e0 giornaliera per malattia<\/h3>\n\n<p class=\"wp-block-blueglass-paragraph bgb-98920327\">L\u2019assicurazione d\u2019indennit\u00e0 giornaliera dell\u2019visavis copre la perdita di guadagno dovuta a malattia e maternit\u00e0.<\/p>\n\n<ul class=\"wp-block-blueglass-list bgb-637ba8bb\" style=\"--bgb-list-item-gap:4px\"><li>Pagamenti di indennit\u00e0 giornaliere per un massimo di 730 giorni (al netto del periodo di attesa liberamente selezionabile)<\/li><li>Periodo di attesa liberamente selezionabile<\/li><li>Tariffe per l\u2019indennit\u00e0 giornaliera di malattia indipendenti dal sesso<\/li><li>Coassicurazione esente da premi del salario postumo (obbligo del datore di lavoro di versare il salario dopo il decesso di un dipendente)<\/li><\/ul>\n\n<h3 class=\"wp-block-blueglass-heading bgb-c4095783\">I vantaggi dell\u2019assicurazione collettiva d\u2019indennit\u00e0 giornaliera di malattia in sintesi<\/h3>\n\n<h4 class=\"wp-block-blueglass-heading bgb-7adda8d1\">Vantaggi per i datori di lavoro<\/h4>\n\n<ul class=\"wp-block-blueglass-list bgb-cf3ed8d8\" style=\"--bgb-list-item-gap:4px\"><li>Mitigazione dei rischi finanziari<\/li><li>Costi del personale calcolabili<\/li><li>Mantenimento dell\u2019operativit\u00e0 aziendale<\/li><li>Case Management professionale<\/li><li>Vi posizionate come datore di lavoro sociale&nbsp;<\/li><\/ul>\n\n<h4 class=\"wp-block-blueglass-heading bgb-f88df716\">Vantaggi per i dipendenti<\/h4>\n\n<ul class=\"wp-block-blueglass-list bgb-efa6ede9\" style=\"--bgb-list-item-gap:4px\"><li>Sicurezza finanziaria<\/li><li>Tranquillit\u00e0 d\u2019animo che permette di concentrarsi sulla ripresa<\/li><li>Sicurezza sociale e senza soluzione di continuit\u00e0 in caso di malattia&nbsp;&nbsp;<\/li><\/ul><\/div><\/div>\n\n<div class=\"wp-block-blueglass-text bgb-text bgb-text--default bgb-529ca263\"><\/div>\n\n<div class=\"wp-block-blueglass-faq bgb-faq bgb-2b91069c\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-326e9266\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-2767ee12\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-fca63f38\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"31\" viewbox=\"0 0 32 31\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M3.04463 25.6842C2.2073 25.6842 1.49053 25.3861 0.894316 24.7899C0.298105 24.1937 0 23.4769 0 22.6396V3.04463C0 2.2073 0.298105 1.49053 0.894316 0.894315C1.49053 0.298105 2.2073 0 3.04463 0H28.9554C29.7927 0 30.5095 0.298105 31.1057 0.894315C31.7019 1.49053 32 2.2073 32 3.04463V22.6396C32 23.4769 31.7019 24.1937 31.1057 24.7899C30.5095 25.3861 29.7927 25.6842 28.9554 25.6842H20.1815L17.2598 30.0728C17.1071 30.3039 16.9225 30.4772 16.7061 30.5928C16.49 30.7082 16.2546 30.7659 16 30.7659C15.7454 30.7659 15.51 30.7082 15.2939 30.5928C15.0775 30.4772 14.8929 30.3039 14.7402 30.0728L11.8185 25.6842H3.04463ZM16 27.4429L18.8244 23.1579H28.9554C29.1067 23.1579 29.2309 23.1093 29.328 23.0122C29.4251 22.9151 29.4737 22.7909 29.4737 22.6396V3.04463C29.4737 2.89333 29.4251 2.76912 29.328 2.672C29.2309 2.57488 29.1067 2.52632 28.9554 2.52632H3.04463C2.89333 2.52632 2.76912 2.57488 2.672 2.672C2.57488 2.76912 2.52632 2.89333 2.52632 3.04463V22.6396C2.52632 22.7909 2.57488 22.9151 2.672 23.0122C2.76912 23.1093 2.89333 23.1579 3.04463 23.1579H13.1756L16 27.4429Z\" fill=\"#0B7085\" \/>\n<path d=\"M18.948 19.1577H6.31641V16.6314H18.948V19.1577Z\" fill=\"#08333B\" \/>\n<path d=\"M25.6848 14.1051H6.31641V11.5788H25.6848V14.1051Z\" fill=\"#08333B\" \/>\n<path d=\"M25.6848 9.05244H6.31641V6.52612H25.6848V9.05244Z\" fill=\"#08333B\" \/>\n<\/svg>\n<\/span><\/div>\n\n<h2 class=\"wp-block-blueglass-heading bgb-c823f1cc\">Domande frequenti sull\u2019assicurazione collettiva d\u2019indennit\u00e0 giornaliera per malattia<\/h2>\n\n<div class=\"wp-block-blueglass-accordion bgb-accordion bgb-5a89cead\" data-close-others=\"1\"><div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-d57f5890\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-42da8f38\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-371cd843\">L\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia \u00e8 obbligatoria?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-1b2c8513\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-ad0db99f\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-d71ddca9\"><h4 class=\"wp-block-blueglass-heading bgb-f9145eb1\">A differenza dell\u2019<a href=\"\/it\/le-nostre-assicurazioni\/assicurazione-collettiva-contro-gli-infortuni\/\" data-type=\"link\" data-id=\"\/it\/le-nostre-assicurazioni\/assicurazione-collettiva-contro-gli-infortuni\/\">assicurazione obbligatoria contro gli infortuni<\/a>, la legge non prescrive alcun obbligo di stipulare un\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia. Alcuni settori sono obbligati a stipulare un\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia in base al contratto collettivo di lavoro (CCL).<\/h4><\/div><\/div>\n\n<div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-cbe31f3b\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-132a8492\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-94ed0d91\">Chi paga il premio dell\u2019assicurazione IGM?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-712c7f9e\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-3985e72a\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-ab900c2f\"><h4 class=\"wp-block-blueglass-heading bgb-d6461a3d\">Il premio per l\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia \u00e8 generalmente a carico del datore di lavoro. Tuttavia, poich\u00e9 sia i datori di lavoro sia i dipendenti beneficiano in egual misura dell\u2019assicurazione, nella prassi i dipendenti contribuiscono fino al 50% del premio.<\/h4><\/div><\/div>\n\n<div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-fc7eec73\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-e34b4545\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-05e4fe55\">L\u2019indennit\u00e0 giornaliera per malattia continuer\u00e0 ad essere versata ai nostri dipendenti anche dopo il termine del rapporto di lavoro?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-b417c84e\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-71d0edd3\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-54c210cc\"><h4 class=\"wp-block-blueglass-heading bgb-d5a5e742\">In linea di principio, i dipendenti hanno diritto alle prestazioni di indennit\u00e0 giornaliera anche dopo la fine della copertura assicurativa, a condizione che la situazione soddisfi le condizioni previste dal contratto. In alcuni casi specifici, queste prestazioni supplementari dell\u2019indennit\u00e0 giornaliera per malattia decadono. Le disposizioni esatte sono riportate in dettaglio nelle CGA. <br><br>Con le soluzioni assicurative, al termine del rapporto di lavoro i vostri dipendenti hanno la possibilit\u00e0 di passare dall\u2019assicurazione collettiva all\u2019assicurazione individuale al fine di garantirsi una copertura assicurativa ininterrotta.<\/h4><\/div><\/div>\n\n<div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-a1848e90\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-a674f632\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-0892a202\">Come confrontare tra loro le diverse assicurazioni d\u2019indennit\u00e0 giornaliera?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-2d35abc8\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-a041326c\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-dab4acc0\"><h4 class=\"wp-block-blueglass-heading bgb-8a64f3a0\">Confrontare solo l\u2019ammontare dei premi e le indennit\u00e0 giornaliere mostra solo una parte del tutto. Un confronto completo dovrebbe tenere conto anche delle prestazioni incluse. Prestate particolare attenzione a fattori quali la copertura assicurativa in caso di cambio di lavoro, eventuali riserve o restrizioni e la durata del pagamento dell\u2019indennit\u00e0 giornaliera. Solo cos\u00ec potrete ottenere un quadro completo e individuare la soluzione pi\u00f9 adatta alle vostre esigenze.<\/h4><\/div><\/div>\n\n<div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-38ac57ab\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-5ddc200a\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-a40648a1\">L\u2019assicurazione IGM pu\u00f2 essere combinata con altre prestazioni assicurative dell\u2019visavis?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-5e4c69f1\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-49557b4f\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-f26a4a03\"><h4 class=\"wp-block-blueglass-heading bgb-b1fb0fa6\">S\u00ec, l\u2019assicurazione IGM pu\u00f2 essere stipulata ad esempio insieme a un\u2019<a href=\"https:\/\/visavis.ch\/it\/le-nostre-assicurazioni\/assicurazione-collettiva-contro-gli-infortuni\/\" data-type=\"page\" data-id=\"9826\">assicurazione collettiva contro gli infortuni<\/a>. Questa copertura combinata garantisce una protezione completa per i vostri dipendenti in diverse situazioni, sia in caso di malattia o infortunio sul lavoro sia durante il tempo libero.<br><br>Inoltre, stipulando l\u2019assicurazione collettiva d\u2019indennit\u00e0 giornaliera per malattia unitamente all\u2019assicurazione collettiva contro gli infortuni potete beneficiare del nostro sconto combinato e, al contempo, ridurre il carico di lavoro amministrativo.<\/h4><\/div><\/div>\n\n<div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-492e38e4\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-ebec1bfa\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-73acbab2\">Qual \u00e8 il periodo di attesa e come scegliere quello giusto?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-17fe0107\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-6c26c1a7\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-18e6370f\"><h4 class=\"wp-block-blueglass-heading bgb-80f48fe3\">Il periodo di attesa per l\u2019assicurazione d\u2019indennit\u00e0 giornaliera \u00e8 il periodo che intercorre tra l\u2019inizio dell\u2019inabilit\u00e0 al lavoro e la data di inizio del pagamento delle indennit\u00e0 giornaliere da parte dell\u2019assicurazione. Di norma, durante questo periodo di attesa l\u2019assicuratore non eroga alcuna prestazione. La durata del periodo di attesa pu\u00f2 variare a seconda della polizza assicurativa e viene stabilita al momento della stipula del contratto.<br><br>La maggior parte delle aziende sceglie un periodo di attesa di 30 giorni. In generale, tuttavia, i datori di lavoro che vogliono assicurarsi anche contro le malattie meno gravi dovrebbero scegliere un periodo di attesa breve.<\/h4><\/div><\/div><\/div>\n\n<p class=\"wp-block-blueglass-paragraph bgb-cb995272\">Non ha trovato la risposta che cercava? Non esiti a <a href=\"\/it\/contatto\/#beratung\" data-type=\"link\" data-id=\"\/it\/contatto\/#beratung\">contattarci<\/a>.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-blueglass-artikelteaser bgb-artikelteaser bgb-5575e108\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-62c069c8\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-46c4b4e8\"><h2 class=\"wp-block-blueglass-heading bgb-201168df\">Temi attuali e utili selezionati per lei<\/h2>\n\n<a href=\"https:\/\/visavis.ch\/it\/news-consigli-utili\/\" class=\"wp-block-blueglass-button bgb-button bgb-button--secondary bgb-button--outline bgb-button--medium bgb-5ac68940\"><p class=\"wp-block-blueglass-paragraph bgb-b6a2191e\">Vedere tutti gli articoli<\/p><\/a><\/div><div class=\"wp-block-blueglass-grid bgb-grid bgb-54dbd59f\" data-bgb-artikelteaser-carousel='{&quot;spaceBetween&quot;:20,&quot;speed&quot;:300}'><div class=\"swiper\"><div class=\"swiper-wrapper\"><div class=\"swiper-slide\"><div class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-8795299d\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-f85cadd9\"><p class=\"wp-block-blueglass-paragraph bgb-7889420e\">News e consigli utili<\/p>\n\n<p class=\"wp-block-blueglass-paragraph bgb-f98ce9a1\">Nuova partnership tra Assicurazione dei mestieri ed emmental assicurazione<\/p>\n\n<a href=\"https:\/\/visavis.ch\/it\/news-consigli-utili\/nuova-partnership-tra-assicurazione-dei-mestieri-ed-emmental-assicurazione\/\" class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--medium bgb-8219670f\"><p class=\"wp-block-blueglass-paragraph bgb-06738a7c\">Per saperne di pi\u00f9<\/p><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><a href=\"https:\/\/visavis.ch\/it\/news-consigli-utili\/assicurazione-dei-mestieri-a-visavis\/\" class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-b3e8c717\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-1c455ede\"><figure class=\"wp-block-blueglass-image bgb-image bgb-8c1747e5\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px.webp 2400w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-300x120.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-1024x410.webp 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-768x307.webp 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-1536x614.webp 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-2048x819.webp 2048w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-1024x410.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-1024x410.jpg 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-300x120.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-768x307.jpg 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-1536x614.jpg 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_BranchenVersicherung-visavis-Header_5zu2_2400x960px-2048x819.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"410\" class=\"bgb-image__img\" style=\"object-fit:cover;object-position:50% 50%\"><\/picture><\/div><\/figure>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-11fa5444\"><p class=\"wp-block-blueglass-paragraph bgb-14dd2b4b\">News<\/p>\n\n<h3 class=\"wp-block-blueglass-heading bgb-872ff4e3\">L\u2019Assicurazione dei mestieri si chiama ora visavis<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--secondary bgb-button--link bgb-button--medium bgb-d883f675\"><p class=\"wp-block-blueglass-paragraph bgb-5f0ec477\">Per saperne di pi\u00f9<\/p>\n\n<div class=\"wp-block-blueglass-icon bgb-icon bgb-e6d05325\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div><\/div><\/a><\/div><div class=\"swiper-slide\"><a href=\"https:\/\/visavis.ch\/it\/news-consigli-utili\/nuovo-membro-della-direzione-kevin-brand\/\" class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-b3e8c717\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-1c455ede\"><figure class=\"wp-block-blueglass-image bgb-image bgb-8c1747e5\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px.webp 2400w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-300x120.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-1024x410.webp 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-768x307.webp 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-1536x614.webp 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-2048x819.webp 2048w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-1024x410.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-1024x410.jpg 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-300x120.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-768x307.jpg 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-1536x614.jpg 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_NewsRatgeber_KevinBrand-Header_5zu2_2400x960px-2048x819.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"410\" class=\"bgb-image__img\" style=\"object-fit:cover;object-position:50% 50%\"><\/picture><\/div><\/figure>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-11fa5444\"><p class=\"wp-block-blueglass-paragraph bgb-14dd2b4b\">News<\/p>\n\n<h3 class=\"wp-block-blueglass-heading bgb-872ff4e3\">Nuovo membro della Direzione generale: Kevin Brand<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--secondary bgb-button--link bgb-button--medium bgb-d883f675\"><p class=\"wp-block-blueglass-paragraph bgb-5f0ec477\">Per saperne di pi\u00f9<\/p>\n\n<div class=\"wp-block-blueglass-icon bgb-icon bgb-e6d05325\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div><\/div><\/a><\/div><\/div><\/div><div class=\"bgb-artikelteaser__nav\"><button type=\"button\" class=\"bgb-artikelteaser__prev\" aria-label=\"Previous\"><svg width=\"18\" height=\"18\" viewBox=\"0 0 32 32\" fill=\"none\"><path d=\"M5.46208 14.3174L30.3588 14.3174C30.8245 14.3174 31.2144 14.4772 31.5284 14.7968C31.8428 15.1161 32 15.5124 32 15.9859C32 16.4594 31.8428 16.8558 31.5284 17.175C31.2144 17.4947 30.8245 17.6545 30.3588 17.6545L5.46208 17.6545L16.7741 29.1546C17.0995 29.4853 17.2601 29.8724 17.2561 30.3159C17.2517 30.7594 17.0799 31.1537 16.7407 31.4989C16.4012 31.8211 16.0168 31.9879 15.5875 31.9994C15.1582 32.0109 14.7738 31.8441 14.4342 31.4989L0.559664 17.3936C0.35469 17.1852 0.210261 16.9655 0.126375 16.7345C0.0421237 16.5035 -1.58807e-06 16.254 -1.56314e-06 15.9859C-1.53822e-06 15.7179 0.0421238 15.4683 0.126375 15.2373C0.210261 15.0063 0.35469 14.7866 0.559664 14.5782L14.4342 0.472979C14.7373 0.164856 15.1126 0.00727189 15.5601 0.000226988C16.0077 -0.00681791 16.4012 0.150766 16.7408 0.472979C17.0799 0.818181 17.2495 1.21455 17.2495 1.66209C17.2495 2.11 17.0799 2.50656 16.7408 2.85176L5.46208 14.3174Z\" fill=\"currentColor\"\/><\/svg><\/button><button type=\"button\" class=\"bgb-artikelteaser__next\" aria-label=\"Next\"><svg width=\"18\" height=\"18\" viewBox=\"0 0 32 32\" fill=\"none\"><path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\"\/><\/svg><\/button><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-cta bgb-cta bgb-cta--dark-text-image bgb-a3bac068\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-67df5483\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-17789d86\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-50547fd0\"><figure class=\"wp-block-blueglass-image bgb-image bgb-8b5fd5d1\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-scaled.webp 2560w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-300x150.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-1024x512.webp 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-768x384.webp 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-1536x768.webp 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-2048x1024.webp 2048w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-1024x512.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-1024x512.jpg 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-300x150.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-768x384.jpg 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-1536x768.jpg 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/06\/visavis_Kollektiv-Unfallversicherung-Header_2zu1-5zu4_3200x1600px-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" class=\"bgb-image__img\" style=\"object-fit:cover;object-position:30.472863734634% 38.366246721396%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-caf2d24d\"><p class=\"wp-block-blueglass-paragraph bgb-4708337d\"><strong>Questo potrebbe anche interessarti<\/strong><\/p>\n\n<h3 class=\"wp-block-blueglass-heading bgb-d13cbac0\">Assicurazione collettiva contro gli infortuni<\/h3>\n\n<p class=\"wp-block-blueglass-paragraph bgb-33130ea5\">Un infortunio pu\u00f2 essere un duro colpo. Noi facciamo in modo che siate al sicuro almeno per quanto riguarda l\u2019aspetto finanziario.<\/p>\n\n<a href=\"https:\/\/visavis.ch\/\/it\/le-nostre-assicurazioni\/assicurazione-collettiva-contro-gli-infortuni\/\" class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--medium bgb-43d4d1aa\"><p class=\"wp-block-blueglass-paragraph bgb-8e5beb7a\">Visualizza l&#8217;offerta<\/p><\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-db4a19c4\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-scroll-to-top bgb-scroll-to-top bgb-e9988e20\" data-bgb-scroll-to-top><a href=\"#\" class=\"wp-block-blueglass-button bgb-button bgb-button--dark bgb-button--link bgb-button--medium bgb-f5ea4959\"><p class=\"wp-block-blueglass-paragraph bgb-7801ab36\">torna all\u2019inizio<\/p>\n\n<div class=\"wp-block-blueglass-icon bgb-icon bgb-833902a2\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M17.6 6.12907L17.6 32H14.4L14.4 6.12907L2.248 18.2811L0 16L16 -7.7486e-07L32 16L29.752 18.2811L17.6 6.12907Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/a><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":9771,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-9984","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/pages\/9984","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/comments?post=9984"}],"version-history":[{"count":22,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/pages\/9984\/revisions"}],"predecessor-version":[{"id":12234,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/pages\/9984\/revisions\/12234"}],"up":[{"embeddable":true,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/pages\/9771"}],"wp:attachment":[{"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/media?parent=9984"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}