Your starting point
If a key project employee is absent for months, insured salary and operational replacement are separate issues.
Important contract questions
High salaries and limits. Part-time and remote work. Agreed salary components. Changing policies during ongoing claims.
Information needed
For an initial assessment: Employee groups, payroll, salary components and existing benefit claims. 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.
