Your starting point
With frequent staff changes, the start of cover and the insured salary basis must be clear.
Important contract questions
Applicable collective agreement. Seasonal and part-time staff. Variable pay. Process for notifying longer absences.
Information needed
For an initial assessment: Workforce, seasonal changes, payroll and employment terms. 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.
