Ksm Krankenkasse Schweiz. Metallbaufirmen

What Ksm Krankenkasse Schweiz. Metallbaufirmen does

KSM – Krankenkasse Schweiz. Metallbaufirmen is a Swiss insurance association (Verein) that operates as a pure daily allowance insurance (Taggeldversicherung) under the Swiss Federal Health Insurance Act (KVG). Founded on February 26, 1963 by metal trade entrepreneurs in Zurich, KSM insures members exclusively against the economic consequences of illness and accidents — explicitly not medical treatment costs — within the Swiss metal construction and metal trades sector. The company operates two product lines: Kollektivversicherungen (collective policies for member companies) and Einzelversicherungen (individual policies for self-employed workers or those outside collective schemes), serving primarily small and medium-sized enterprises with 6,691 insured persons as of 2023. KSM is regulated under BAG-Nr. 1522 and has been subject to KVG since January 1, 1996, while retaining its independent, self-governing association structure since founding.

The business model is membership-based and association-driven: revenue derives from collective and individual daily allowance premiums collected from members of the Swiss metal construction vertical, with distribution occurring primarily through direct member enrollment, industry association referrals, and a listed partnership with CSS. KSM is headquartered at Rohrstrasse 36, CH-8152 Glattbrugg, operates as a non-listed private association with no parent company or institutional investors, and runs a minimal digital footprint with no mobile app, public API, or disclosed technology stack. Marketing is conducted via direct member communications and industry association networks rather than paid acquisition channels, and there is no public pricing disclosure. The company's organizational simplicity — a narrow product line, a single vertical, and a single country — defines both its specialized value proposition and its concentration profile.

Name

Ksm Krankenkasse Schweiz. Metallbaufirmen

Legal name

KSM – Krankenkasse Schweiz. Metallbaufirmen

Website

https://ksmversicherung.ch

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

1–10 employees

Short description

KSM Krankenkasse Schweiz. Metallbaufirmen is a Swiss association-based insurer providing pure daily allowance insurance (Taggeldversicherung) to SMEs in the metal construction industry, insuring 6,691 persons (2023) against income loss from illness and accidents under Swiss KVG.

Ownership category

akta.pro rank

Product category

Occupational Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Own-Occupation Specialty Disability Insurance (Professional Occupations) (FSAIAIAI)

Keywords

• Daily allowance insurance
• Swiss metal construction insurance
• Occupational health insurance
• Collective insurance policy
• Accident income protection

Headquarters

HQ city

Glattbrugg

HQ country

Switzerland

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Others

Distribution channels1 record

Marketing channels2 records

Core offering

KSM is a pure daily allowance insurance (Taggeldversicherung) for the Swiss metal construction industry, providing collective and individual policies that pay benefits during illness- or accident-related inability to work. The organization insures members against the economic consequences of illness and accidents, while explicitly excluding medical treatment costs, and operates under the Swiss Federal Health Insurance Act (KVG).

Product overview

KSM – Krankenkasse Schweiz. Metallbaufirmen is a pure daily allowance insurance (Taggeldversicherung) for the Swiss metal construction industry. The company offers two product lines: Kollektivversicherungen (collective insurance) for member companies and Einzelversicherungen (individual insurance) for those not covered by collective schemes. All products are social insurance under the Swiss Federal Health Insurance Law (KVG). KSM does not insure medical treatment costs but provides daily allowances during illness and accident-related inability to work.

Differentiator

Problem solved

Functional benefit

Products and services

• Kollektivversicherungen (Collective Insurance) Collective insurance policies providing daily allowance coverage for companies in the Swiss metal construction industry against the economic consequences of illness and accidents. Sold to SMEs in the metal trade sector.
• Einzelversicherungen (Individual Insurance) Individual insurance policies providing daily allowance coverage for self-employed persons or employees not covered by a collective scheme. Targets individuals in or adjacent to the Swiss metal construction industry.
• Taggeldversicherung (Daily Allowance Insurance) Core product line that insures members against the economic consequences of illness and accidents. Medical treatment costs cannot be insured through KSM. Operates as a social insurance under the Swiss Federal Health Insurance Act (KVG).

Quantifiable outcome

• 6,691 insured persons served (as of 2023)

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• CSSminorOthersCSS is listed as a partner on the KSM website, indicating some form of collaborative or referral relationship within the Swiss health insurance ecosystem.

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Concordia: Swiss health insurer with a strong presence among SMEs and trades, offering Taggeld and supplementary coverage. Concordia is comparable to KSM as a long-standing Swiss insurer serving similar employer and self-employed customer profiles.
• Visana: Swiss health and accident insurer with significant SME and corporate client base, offering Taggeldversicherung and full health plans. Visana competes with KSM for Swiss trade-sector employer relationships.
• Groupe Mutuel: Major Swiss mutual insurer offering daily allowance and comprehensive health coverage to individuals and SMEs across sectors. Groupe Mutuel is comparable to KSM as a membership-oriented Swiss insurer with Taggeld offerings.
• Atupri Healthcare: Swiss health insurer offering Taggeldversicherung and comprehensive plans. Atupri is a broad incumbent whose product set overlaps KSM's niche income-protection offering for Swiss employees and self-employed workers.
• Sanitas: Established Swiss health insurance fund offering daily allowance and comprehensive plans to individuals and corporate clients. Sanitas is a broad incumbent whose Taggeldversicherung products compete with KSM's offerings to metal construction SMEs.
• Helsana: One of the largest Swiss health insurers, providing daily allowance and comprehensive coverage to individuals and corporate clients across all sectors. Helsana is a broad incumbent whose full-service offering competes directly with KSM's narrow Taggeldversicherung focus.
• KPT: Swiss health insurance company providing Taggeld and full coverage plans to individuals and corporate clients. KPT competes with KSM in the Swiss daily allowance and SME insurance market.
• SWICA: Major Swiss health and accident insurer offering Taggeldversicherung alongside full medical coverage. SWICA competes with KSM for SME employer relationships in the metal construction trade while serving a much broader customer base.
• CSS Versicherung: One of Switzerland's largest health insurers and a listed KSM partner. CSS offers comprehensive health and daily allowance insurance across all Swiss industries, making it a broad incumbent against which KSM's niche Taggeldversicherung competes and partners.

Others

• SUVA: Swiss national accident insurance fund providing mandatory accident coverage including Taggeld benefits to Swiss employees, including metal construction workers. SUVA is not a direct competitor but represents the regulatory baseline against which KSM's supplementary Taggeldversicherung is layered.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ksm Krankenkasse Schweiz. Metallbaufirmen