Medical
- 24/7 emergency assistance centre
- Repatriation
- Above the Dutch rate
Maximum trip duration · local healthcare · a separate policy
Secondment and long stays
As soon as an employee stays at one destination longer than the maximum trip duration, the issue shifts from travel cover to social security and local healthcare.
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Deze pagina in het Nederlands: Detachering en langdurig verblijf.
Calculate your premium or request a quote
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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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Secondment is not a long business trip. The difference lies not in the destination but in the duration and in the question of where your employee is covered for social security. As soon as the stay exceeds the maximum uninterrupted trip duration on the policy schedule, the rest of the period falls outside the cover, including for a condition that arose on the first day.
For postings within the EU an A1 certificate records in which country contributions are paid. If that stays in the Netherlands, your employee keeps his basic health insurance and expatriate cover dovetails with it. If the insurance obligation shifts to the country of work, the Dutch policy ends and you need local healthcare cover. Arrange that before departure; putting it right retrospectively rarely works.
If the family travels too, housing, contents and local liability are added. If instead it concerns short trips by changing employees, a collective business travel insurance fits better than an expatriate arrangement.
What does cover for secondment and long-term stays include?
The structure of the cover in three parts, with an overview per situation below.
Luggage
Business equipment is subject to sub-limits.
- Laptop and phone
- Samples and materials
- Often declared separately
Interruption
If the trip does not go ahead or is cut short.
- Cancellation
- Replacement trip
- Missed connection
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical expenses outside the Netherlands | Yes | Yes |
| Repatriation in case of illness or accident | Yes | Yes |
| Business equipment and samples | Sometimes | Yes |
| Cancellation of the trip | No | Yes |
| Taking part in high-risk sports | No | Sometimes |
| Travel to an area with a negative travel advisory | 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.
The maximum uninterrupted length of stay is binding
A continuous business travel policy states a maximum number of consecutive days per stay abroad. If your employee exceeds that number, the cover stops from the following day, even though the premium simply continues and even where he is already in hospital at that moment. You apply for an extension before departure and the insurer confirms it in writing. If the posting continues on a structural basis, a continuous business travel insurance is no longer the right product.
The A1 certificate determines where the insurance obligation lies
Within the EU an A1 certificate from the SVB (the Dutch social insurance bank) indicates which country may levy social security contributions. If your employee remains insured in the Netherlands, his basic health insurance continues and the expatriate cover makes up the difference. If the insurance obligation passes to the country of work, the Dutch basic health insurance ends by operation of law and local healthcare has to be arranged before arrival. Without an A1 the foreign authority can levy contributions retrospectively over the whole posting period.
Your employer's liability travels with you
Article 7:658 of the Dutch Civil Code applies to a workplace abroad that you do not set up yourself as well: you remain responsible for instruction, supervision and proper equipment. For commuting and living conditions on the ground, good employment practice under Article 7:611 DCC also plays a part. Travel cover pays the employee's own costs; your liability as an employer does not fall under it. Check whether the area of cover of your liability insurance includes the country of work.
Family, housing and contents are outside the travel policy
If the family moves too, the partner and children are only insured if they are named on the policy. The contents of the home abroad do not fall under a Dutch home contents insurance, nor under the luggage section, because that covers travel luggage taken with you. Tenant's liability and a local motor vehicle are arranged locally. School fees, removal costs and a continuing rental term in the Netherlands are not an insurable interest either.
What does your premium depend on?
- Length of the posting — A secondment of a few months is assessed differently from a placement of several years involving a move.
- Country of employment — The level of healthcare costs and the quality of local care determine how often repatriation is needed.
- Accompanying family members — The partner and children are included as separate insured persons, each with their own age and acceptance.
- Where the insurance obligation lies — If the basic health insurance stays in place, the expatriate policy covers only the difference; otherwise it carries the whole healthcare risk.
- Age profile of the group posted — With older employees the chance of a hospital admission and of medically supervised transport rises.
- Nature of the work on site — Office work is assessed differently from assembly, offshore work or work at height in the country of employment.
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Frequently asked questions
The questions we are asked most often about this.
From what length of stay is a business travel policy no longer enough?
That is stated on your policy schedule as the maximum uninterrupted trip duration; insurers apply widely differing periods. If your employee stays longer at one destination, expatriate insurance with local healthcare cover is the appropriate product. A short return to the Netherlands does not automatically count as an interruption of that period. Have the insurer confirm in writing how it calculates the period.
Does Dutch basic health insurance continue during a secondment?
Only if the insurance obligation stays in the Netherlands, which within the EU is recorded with an A1 certificate. If that obligation shifts to the country of work, the basic health insurance ends by operation of law and you pay premium without cover. So report the posting in advance to the health insurer and to the SVB, and keep the confirmation in the personnel file.
Are accompanying family members automatically insured?
No. Business travel cover applies to the employee during a work-related stay. The partner and children have to be named on the expatriate policy, each with their own medical acceptance. Make sure their destinations and periods of stay are correct as well; family members often travel at different times and sometimes stay on longer than the employee posted.
Who carries the liability if something goes wrong at the workplace abroad?
As the employer you remain bound by Article 7:658 of the Dutch Civil Code, even where a local client sets up the workplace. Your duty of care covers instruction, supervision and protective equipment. Travel cover pays your employee's medical expenses, but not the compensation he then claims from you. Liability insurance with the right area of cover is needed for that.
Read more
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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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.