Your starting point
If a managing director becomes unable to work, correct inclusion in the insured group matters.
Important contract questions
Include employed owners. Insured salary components. Employee entry and exit. Alignment with employment contracts.
Information needed
For an initial assessment: Employee groups, payroll, owner salary and existing contracts. 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.
