Various government sponsored schemes
There are also various government sponsored schemes run by insurance
companies for private individuals. These used to be heavily advertised by the
government, but have not lived up to initial expectations for various reasons
including a surfeit of formality and low upper limits.
Legally, employers must continue to pay employees at least their average net
pay for the first six weeks of sickness. Thereafter, the health insurance
institutions will provide sick pay to their members, although only up to a
relatively low maximum amount. Employers will often make up the difference
for a not inconsiderable period thereafter, particularly to long-serving
executives, although usually without a formal obligation to do so.