Your starting point
Sickness absence can also create replacement-staff costs that are not automatically included in daily allowance benefits.
Important contract questions
Applicable collective agreement. Accurate activity declaration. Benefit duration and waiting period. Assess UVG jurisdiction separately.
Information needed
For an initial assessment: Trades, collective agreement, workforce, payroll and claims history. Do not submit diagnoses or personal medical information through this form.
Compare like for like
Use the same salary basis, benefits and waiting period. Reservations, conversion rights, insured groups and notification periods may matter more than a small premium difference.
Interaction with UVG
Sickness and accident are assessed separately. Social-insurance status matters for sole proprietors; employed persons in a GmbH or AG are treated differently.
