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 your own premium with the calculator.
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
Anyone who treats enters into an best-efforts obligation and not an obligation to achieve a result. A disappointing outcome is therefore not a mistake; an act that falls short of what may be expected of a reasonably competent colleague is. The cover attaches to the person treating and to the procedures that have been declared. If a discipline or a reserved procedure is not on the policy, that claim is not insured.
The Wkkgz (the Dutch care quality and complaints act) requires you to have a complaints officer and to be affiliated to a recognised disputes body; the WGBO (the Dutch medical treatment agreement act) requires you to keep records and to retain them for twenty years. That period is not an administrative burden but your only defence if a complaint arrives years later. For patients who are minors, the limitation period runs well beyond the age of majority.
If you work with equipment, implants or preparations you make yourself, liability for defective auxiliary items under Article 6:77 of the Dutch Civil Code and product liability under Article 6:185 DCC are added. We set your disciplines, procedures and equipment side by side; see also care and welfare for non-treatment work.
The structure of the cover in three parts, with an overview per situation below.
The basics
Liability
AVB for property damage and injury, BAV for professional errors.
Damage to third parties
Employers' liability
Care, custody and control as an extension
Your business
Assets and continuity
Business contents, goods and lost turnover during downtime.
Business contents at replacement value as new
Goods at cost price
Business interruption or additional costs
If you employ people
Staff
Sickness absence, accidents and the traffic risk.
Continued pay for 104 weeks
Group personal accident
WEGAS for traffic risks
What is covered
Situation
AVB
BAV
Cyber
Injury to a visitor or customer
Yes
No
No
Damage to a client's property
Sometimes
No
No
Financial loss caused by an advisory or calculation error
No
Yes
No
Downtime after a ransomware attack
No
No
Yes
Data breach involving personal data
No
Sometimes
Yes
Damage to property in your care
No
No
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.
Every practitioner and every procedure on the policy
Professional indemnity in healthcare is linked not to the practice but to the practitioner. Locums, self-employed practitioners and staff with a second discipline have to be declared separately. The same applies to the range of procedures: if you add a new treatment, report it. A claim about a procedure that was never declared falls outside the description of the insured profession.
A long tail, particularly with minors
The limitation period for the treatment of children runs on beyond the age of majority, so a complaint can still arrive twenty years later. The WGBO retention period for records is matched to that. Make sure your records can still be reconstructed after years, including informed consent, and keep run-off cover in place if you close a practice or change insurer.
When the auxiliary item fails
If an implant breaks, an instrument fails during a procedure or equipment turns out to measure incorrectly, you as the practitioner are in principle liable for the auxiliary item used under Article 6:77 of the Dutch Civil Code, even without any fault of your own. Recovery from the supplier or the producer under Article 6:185 DCC comes afterwards. Record the batch number and make of the material used for each procedure.
Disciplinary proceedings are not covered
A disciplinary complaint concerns the way you practise your profession and not compensation to a patient. Measures and fines under disciplinary rules are therefore not an insured loss, any more than deliberate acts or wilful recklessness under Article 7:952 of the Dutch Civil Code. Some policies do pay the cost of legal assistance in disciplinary proceedings; check whether that cost section is included and with what limit.
What does your premium depend on?
Number of practitioners and their discipline — Every practitioner counts separately, including locums and self-employed practitioners.
The range of procedures — Reserved and invasive procedures weigh more heavily than diagnostics or consultations alone.
Cosmetic procedures — Treatments without a medical indication come with higher expectations and more complaints.
Sum insured per claim and per year — Injury with permanent consequences quickly runs up to the full sum.
Retroactive date and run-off — Decisive on a claims made basis, particularly given the long limitation period for minors.
Complaints and claims history — Earlier claims and open disputes weigh heavily in the acceptance decision.
Insurers weigh these details differently. That is why comparing pays off.
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.
Professional indemnity insurance, also known as medical liability cover. It covers loss caused by a mistake in the treatment. Public and employers' liability insurance covers, in addition, damage in and around the practice, for instance a patient tripping over a loose mat. Check that each practitioner is named on the policy schedule by name or by role.
Are disciplinary proceedings covered?
The measure itself is not; it is a sanction on the way you practise and not compensation. Many policies do offer a cost section for legal assistance during the proceedings, with its own limit. Check whether that section is included and whether you may instruct your own lawyer or whether the insurer assigns the representation.
Is a locum in my practice covered?
Only if they have been declared or if the policy expressly includes locum work. Professional indemnity in healthcare attaches to the practitioner, not to the premises. Many locums have their own policy; if so, check that the cover is adequate and that there is no double cover, or indeed a gap, for the procedures they carry out.
How long should my cover continue after the practice closes?
Longer than you might expect. Because the limitation period for patients who are minors runs on beyond the age of majority and records have to be kept for twenty years, a claim can still come in years after closure. Arrange run-off cover before you cancel; buying it afterwards is no longer possible with most insurers.
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.
