Founded in 1963 and organized as an association, KSM Krankenkasse Schweizerischer Metallbaufirmen offers specialized daily sickness allowance insurance for companies in the metal trade. As an independent social insurance provider subject to the KVG, it is characterized by a lean structure, financial strength, and customer proximity. KSM insures the economic consequences of illness and accidents (if agreed) for its members, the majority of which are SMEs.