Contract roles

Premium payer & recipient of benefits – why the difference?

So that you can manage your insurance in line with your wishes. As the insured person, you will generally assume all the contract roles.

Contract roles in families

However, there are also constellations in which dividing the contract roles between more than one person makes sense – for example, in a family with children. In this case, although the child is the insured person, it is one of the parents who receives the premium and benefit statements. In other words, either the father or the mother is entered in our system as premium payer and recipient of benefits. As a result, that parent also takes on the role of recipient of correspon­dence and is sent all the child's other correspondence (policy, insurance card, tax statement, etc.).

Contract role authorisations

Premium payer

• Receives the premium statements and reminders, payment demands and debt collection orders in connection with premium payment.
• Legally undertakes to pay the premium statements for the insured person/s.
• Receives credits from premium corrections to the defined account.
  

Recipient of benefits

• Receives the benefit statements and reminders, payment demands and debt collection orders in connection with benefit statements.
• Legally undertakes to pay any co-payments for the insured person/s.
• Receives refunds to the defined account.
  

Recipient of correspondence

• Receives all other documents, such as offers, applications, policies, insurance cards, tax statements and miscellaneous correspondence.