|Obligatory||The law says that you have to insure all your employees against accidents.||
If an employee is ill, you're obliged to keep on paying their wages for a limited period of time. This is something you can insure yourself against.
|Voluntary||The insurance cover required by law is extensive, but there are limits on certain aspects of it. Tailor-made, modular additional insurance solutions enable you to offer your employees even better protection.||Take out daily sickness allowance insurance, and you're no longer bearing the financial risk of continuing wages payments yourself.|
Insurance obligations and options for employers
|Compulsory insurance obligation|
|Compulsory legal duty which can be covered (replaced) by insurance|
|Voluntary insurance option|
|Responsibility of the employee|