Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
WIA insurance through Avéro Achmea
WIA insurance tops up the income of employees who become incapacitated for work and earn more than the maximum daily wage, because UWV never pays anything on the excess above that.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
The WIA has a hard upper limit. UWV (the Dutch employee insurance agency) works solely with the capped daily wage; whatever an employee earns above that simply does not count. For a specialist, team leader or director, incapacity for work therefore means a fall in income far greater than the statutory percentages suggest, however ill he is.
The Act distinguishes between IVA for those who are fully and permanently incapacitated for work, and WGA for those who are partially or not permanently incapacitated. Excess cover runs alongside in both situations, because the salary ceiling applies to both. There is also separate cover for the contribution-free continuation of pension accrual, which otherwise stops during long-term absence.
So this is a different problem from the gap within the statutory scheme itself. That gap is repaired by WGA gap insurance. Companies with both high and average salaries need both; Finass looks at each salary group to see which cover actually adds anything.
Independent, personal, sorted quickly
We compare your WGA insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Avéro Achmea?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
- Employers' liability at the client's premises
- Product liability
- Agency workers, interns & volunteers
- Care, custody and control (property in your care)
Complete package
The most complete cover. We compare Avéro Achmea's extended version with the market.
- Environmental impairment (unforeseen, limited)
- Retroactive cover (prior risk)
- Higher sums insured
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?
- Salary bill above the statutory salary ceiling. Only the excess part is insured. That amount is the actual basis for calculation.
- Number of participants above the limit. A small group of high salaries carries an erratic risk and is rated differently from a broad workforce.
- Age profile. The benefit period up to state pension age is longer for younger participants, while the likelihood is greater for older ones.
- Occupational class and sector. Office roles are classified differently from operational or physically demanding roles.
- Type of cover chosen. Excess cover alone, or combined with a supplement within the WIA and contribution-free pension accrual.
- Sickness absence and WIA entry history. What has been reported in recent years in long-term absence and WIA entry is taken into account in the rate.
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.
Income above the maximum daily wage
For the part of the salary above the statutory limit there is no benefit at all. Anyone well above that limit sees his income more than halve in the event of full incapacity for work, while his fixed costs, mortgage and children's study costs stay the same. Excess cover insures precisely this part and pays out for as long as the incapacity lasts, up to state pension age at the latest.
IVA and WGA both run alongside
With IVA UWV establishes that recovery is reasonably out of the question. The benefit is higher and no follow-up phase follows. With WGA the question is what someone is still able to earn. In both cases income above the salary ceiling remains uninsured, so excess cover is worthwhile in both situations. How a reassessment is handled where UWV later adjusts the percentage does differ from policy to policy.
Pension accrual and the fixed costs afterwards
During long-term incapacity for work the salary payment stops and with it, often, pension accrual over the excess part. Some schemes provide for contribution-free continuation, but usually only up to the statutory salary ceiling. The employee only notices the consequence years later, on retirement. So alongside the benefit, have it established what the pension scheme does in the event of incapacity for work and whether additional contribution waiver is needed.
What is not insured
Outside the cover are: employees who at the start of the contract were already ill or incapacitated for work; incapacity for work of less than 35 per cent, because no WIA entitlement then arises; and the period of two years of continued salary payment, which is at the employer's expense and is covered by sickness absence insurance (verzuimverzekering). Benefits that UWV refuses because of insufficient reintegration effort are not taken over by the insurer either.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Why is WIA insurance needed if there is already WGA gap cover?
The two cover different gaps. Gap cover repairs the fall back to the follow-up benefit within the statutory scheme. WIA excess cover concerns income above the maximum daily wage, on which UWV never pays out, not even in the most favourable form of benefit. If nobody in your company earns above that limit, excess cover adds nothing. If there are employees above it, it is precisely for them that the biggest gap remains open.
Does the cover apply with IVA as well?
Yes. The IVA benefit is higher than the WGA benefit, but is likewise calculated on the capped daily wage. So income above that limit remains uninsured even in the event of full and permanent incapacity for work. Because an IVA situation usually lasts until state pension age, the financial effect is greatest there and the benefit from the excess cover runs the longest.
Does everyone have to take part or can it be done per employee?
Insurers prefer compulsory participation for the whole group that earns above the salary ceiling. That prevents only employees with a health complaint from signing up. With voluntary participation a health declaration almost always follows and an exclusion can be included. A collective arrangement is therefore not only cheaper, but also leads to less argument afterwards.
What do we have to report if an employee falls ill long term?
Report the situation to the insurer as soon as it is clear that the absence is going to last longer, and in any event as soon as the WIA application is under way. Article 7:941 of the Dutch Civil Code requires notification as soon as you know of the event. Forward UWV's decision on the degree of incapacity for work, because that forms the basis on which the insurer determines and pays the supplement.
Every situation is different. For these situations we have a separate page.
Read more
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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.