I was founder in a SW startup, and those of us who had a <15 % minority share were technically employees for whom the mandatory services had to be arranged. Wha

I was founder in a SW startup, and those of us who had a <15 % minority share were technically employees for whom the mandatory services had to be arranged. What it meant was that there was a paper that the managing director had to sign, and some small amount of money to pay to KELA (the public insurer). There was no occupational doctor or care service assigned. Yes, this is obscure for this forum (perhaps that's why some people downvoted the previous comment) but just for the note, in Finland the employer is not really required to buy any services from private clinics. The legal requirement is for existence of a preventive plan, and a specification for what other services the plan covers. It's okay by law if the coverage effectively evaluates to nil, and employees just are off to the public system's queue.