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- No ties to a single insurer
- Advice tailored to your situation
- We arrange the switch
Avéro Achmea – Compare income protection insurance
Income protection insurance does not cover what you own but what you owe: the pay that continues while no work is being done.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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 situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
This product group turns on a single obligation: as an employer you continue to pay a sick employee's wages for two years, whether or not there is any turnover to set against it. A sickness absence insurance absorbs those wage costs, a WIA or WGA solution deals with the period after that, and disability insurance does the same for the business owner personally.
Unlike a general insurance policy, the premium here is not a function of a sum insured but of your payroll, absence record and sector. Two firms with identical buildings can pay very different premiums because one does physically demanding work and the other does not.
We set this cover alongside what other insurers offer and look above all at the deferment period, the percentage insured and the occupational health services attached to the policy. For commercial property and liability cover, see non-life insurance.
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What does Avéro Achmea – income protection insurance cover?
The structure of the cover in three parts, with an overview per situation below.
What is covered
| Situation | Basic | With extension |
|---|---|---|
| Permanent disability after an accident | Yes | Yes |
| Death caused by an accident | Yes | Yes |
| Incapacity for work due to illness | No | Provided that |
| Continued payment of wages during sickness absence | No | Provided that |
| Reintegration and guidance | Provided that | Yes |
| Complaints that already existed when the policy was taken out | No | No |
With accident and income cover, the definition of «accident» or «incapacity for work» determines what is paid out, together with the waiting period, the end age and the occupational profile. A condition that already existed or was known when the policy was taken out is usually excluded; non-disclosure can affect the payout (Articles 7:928 and 7:930 of the Dutch Civil Code).
What we do
| What we do | At Finass | Direct with Avéro Achmea |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Avéro Achmea is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Insured payroll. Your total payroll is the basis on which the premium is calculated.
- Sector and risk class. Physically demanding work consistently shows higher and longer absence than office work.
- Deferment period chosen. The number of waiting days before the insurer starts to pay.
- Percentage of salary insured. Whether you insure one hundred per cent or only the statutory part of the continued pay.
- Your company's sickness absence history. Your absence rate over recent years weighs heavily in the underwriting.
- Occupational health services in the contract. A policy with case management and a company doctor costs more, but usually shortens absence.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The deferment period is the main lever
Sickness absence insurance (verzuimverzekering) only pays after a waiting period counted in working days. Short-term absence therefore always comes out of your own pocket. Choosing a longer deferment period cuts the premium considerably, but leaves you carrying flu absence in full. The trade-off is specific to your business: in a small team one long-term absence hits hard, while short-term absence is rare there. Work through both scenarios before you decide.
The Gatekeeper Act: the duty that affects your payout
The Wet verbetering poortwachter (the Dutch Gatekeeper Improvement Act) sets out when you must have a problem analysis, an action plan and a reintegration report in place. Neglect that and the UWV (the Dutch employee insurance agency) can impose a wage sanction, and that extended period of continued pay is covered under virtually no policy. The rules on Article 7:611 of the Dutch Civil Code good employment practice also come into play here: offering suitable work is not an optional effort.
What happens after two years sits on a different policy
Sickness absence insurance stops when the duty to continue paying wages ends. If the employee moves on to WIA benefit, the drop in income is only cushioned by WIA top-up or WGA cover. If you carry the WGA risk yourself, the reintegration duty also stays with you for years. Assess these two products together; taken separately, a gap opens up.
Exclusions: what a sickness absence policy does not solve
Not covered are: wage sanctions imposed by the UWV, maternity leave taken under the Wazo (the Dutch work and care act), absence that already existed when the policy started, and workers who are not on your payroll. If you conceal current absence when applying, the duty of disclosure under Article 7:928 of the Dutch Civil Code applies and the insurer can reduce the payout under Article 7:930 of the Dutch Civil Code.
Frequently asked questions
This is what people ask us most.
Does sickness absence insurance also cover my own income as a business owner?
No. Sickness absence insurance reimburses your employees' wage costs. If you are a director and majority shareholder or self-employed, disability insurance is the right product, with its own waiting period, final age and occupational definition. These are two separate policies that run alongside each other, and we compare them separately too.
What happens if the UWV imposes a wage sanction on me?
That extra period of continued pay is almost always at your own expense. A sanction follows from insufficient reintegration effort and is therefore not an unforeseen event. Make sure the steps set out in the Wet verbetering poortwachter are taken on time and can be evidenced. A policy with case management helps, but does not take the duty off your hands.
Do agency workers and self-employed contractors count towards the payroll?
No, only employees on your own payroll are insured. For hired-in workers, continued pay runs through the agency or the contractor themselves. It is still sensible to check that those parties have arranged their own cover, because otherwise absence on a long-running assignment will affect your planning all the same.
Am I obliged to place this with Avéro Achmea?
No. We are not tied to any one company and set this offer alongside that of other income protection insurers. In this product group it is not only the premium that differs, but above all the occupational health services and each provider's assessment approach. If another party turns out to suit your absence profile better, that is what we will advise.
Read more
Within Arbeidsongeschiktheidsverzekering
Similar pages
- Sickness absence insurance (verzuimverzekering) through Avéro Achmea — compare & calculate your premium
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.