Your starting point
When you work alone, a long illness can remove your main income source.
Important contract questions
Provable income. Medical assessment and reservations. Waiting period and cash reserve. Distinction from ongoing business costs.
Information needed
For an initial assessment: Legal form, activities, income and desired waiting period. 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.
