Group personal accident insurance pays an amount agreed in advance if an employee dies or is left permanently disabled through an accident, regardless of who was at fault and regardless of what the actual loss is.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
This is a fixed-sum insurance, not indemnity insurance. The payment is not calculated from the loss suffered but follows from a table: a percentage of the sum insured for each part of the body or loss of function, and a fixed amount on death. There is therefore no setting off against other benefits either, and it can pay alongside continued wages and WIA (the Dutch work capacity benefit).
More important is what it does not replace. Your liability as an employer for unsafe work runs through Article 7:658 DCC and belongs in the employers' liability section of your public and employers' liability insurance. Continued payment of wages during sickness runs through sickness absence insurance (verzuimverzekering). The personal accident policy stands apart from both and takes over neither.
The choice lies mainly in whether you want 24-hour cover or only cover during working hours and commuting, and whether the group consists of a fixed list of names or of an unnamed number of employees. We match that to your workforce and to what a collective labour agreement or terms of employment require.
Group personal accident insurance through Allianz: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Our role
Independent
We are not tied to any single company.
Several providers compared
Advice follows your situation
AFM licence 12016589
When taking out cover
What we do
From assessment to policy.
Matching cover to your work
Conditions side by side
Switching, including cancellation
After that
In the event of a claim
What really matters.
Notification and guidance
Assessing a rejection
Objection where necessary
What is covered
What we look at
Explanation
Does the cover suit your activities
Yes
Sum insured and excess
Yes
Exclusions and clauses
Yes
Fit with your other policies
Yes
Premium in relation to the conditions
Yes
Comparing on premium alone
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
What counts as an accident and what does not
The policy requires a sudden, external, violent effect on the body. A fall from scaffolding meets that. Back trouble that has built up over months, a slipped disc while lifting or a burnout does not, however clear the connection with the work. Occupational diseases therefore fall outside this cover almost without exception, and that is the most common disappointment when a claim is refused.
Permanent disability is determined by a table
The payment for permanent disability follows from a gliedertaxe (the disability scale): a fixed percentage of the sum insured for each function lost. Loss of a thumb, an eye or hearing each carries its own percentage. That is a medical assessment, not a calculation of lost income. An employee whose occupation depends on precisely that function may therefore receive a payment that comes nowhere near his actual loss.
24-hour cover or only during working hours
The cheapest version covers only accidents during work and on the direct route to and from work. A 24-hour cover runs at weekends and on holiday as well. If your staff work at varying locations, using their own transport or abroad, the line between working time and private time is hard to draw in practice, and the wider version prevents argument at the moment things go wrong.
What is not paid for
Excluded are accidents while taking part in speed contests and in certain hazardous sports, accidents in which alcohol or drugs played a part, deliberate acts and suicide, and the effects of existing conditions that made the injury worse. Illness without an accident, psychological injury without demonstrable physical injury and the loss of income itself also stay outside the policy. For the last of those there is sickness absence or WIA insurance.
What does your premium depend on?
Nature of the work per job group. Assembly at height or work with machinery counts differently from office roles within the same company.
Number of employees insured. The size of the group sets the premium, whether names or an unnamed number are used.
Sums insured for death and disability. Often expressed as a multiple of the annual salary. That factor is the biggest lever in the quotation.
24-hour or working hours only. Continuous cover outside working hours widens the exposure considerably and feeds through into the premium.
Sections included. Extensions for medical costs, dental treatment or a daily allowance come on top of the basic cover.
Travel abroad. Work or business trips in higher-risk countries are assessed separately and sometimes excluded.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your activities, turnover and wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
No. After an accident at work your employee can hold you liable under Article 7:658 of the Dutch Civil Code and claim the full loss: lost income, general damages, the cost of care and adaptations. Your liability insurance pays that claim, not this policy. In reality a personal accident payment is sometimes taken into account, but it does not remove the liability.
Why is back trouble or burnout refused?
Because the policy requires an accident: a sudden event from outside. Complaints that arise gradually from posture, physical load or pressure of work do not meet that description, even where they are unmistakably work-related. This insurance is not built for that risk; sickness absence cover, prevention and the liability route are the way forward there.
Who receives the payment, the employer or the employee?
As a rule the employee or, on death, the surviving dependants. The employer pays the premium and acts as policyholder. Record in the terms of employment that the cover is a secondary benefit and that no right to an additional payment by you is derived from it. We help make that wording and the policy fit together.
Can self-employed professionals and agency staff be included?
Often yes, provided they clearly fall within the circle of insured persons described. On a policy for an unnamed number, wording such as all persons carrying out work for the policyholder is usually used, so that hired-in staff are included. If there is a list of names, anyone not on it falls outside; we check that at every change in your workforce.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
