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 situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
We put personal accident cover with Chubb mainly where the cover has to apply worldwide and around the clock: staff on business trips, employees posted abroad, directors who fly a great deal and families staying abroad for longer periods. The product is then no longer ordinary commuting cover but cover that travels with the insured and has to hold up on every continent.
In that form the policy is usually group cover without a list of names: what is insured is a described category, for example all staff with a contract of employment or everyone who travels on instructions. That makes staff changes easy, but it shifts the weight to the description. Anyone who does not fall within it, such as a self-employed contractor brought in or an accompanying partner, is not insured unless expressly named.
Cross-border cover comes with its own provisions: repatriation and evacuation, areas subject to negative travel advice, countries covered by sanctions legislation, and flying other than as a fare-paying passenger. A personal accident policy pays no medical costs and no baggage; a travel insurance remains necessary for that. The two covers should be matched to each other.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what Chubb and other insurers offer within it.
Permanent disability (one-off payment)
Death caused by an accident
During work & commuting
Fixed or salary-related benefit
Extended cover
As well as cover during work, also 24-hour cover (7 days) (available as an extension) and higher benefits.
24-hour cover (7 days) (available as an extension)
Retraining (up to € 10.000)
Adaptations to the workplace, car & home
Interns & visitors covered as well
Complete package
The most complete cover. We compare the extended versions from Chubb with the market.
Repatriation in the event of death
Defence & legal costs
Dental costs
Cosmetic surgery
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 Chubb
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 Chubb 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
War, unrest and negative travel advice
Accidents arising from armed conflict, civil war, insurrection or mutiny are excluded. If someone travels to an area the government advises against, the cover generally falls away or applies only after express acceptance in advance. Anyone sending staff to such destinations has to submit each trip; reporting afterwards is not a workable route for this type of risk.
Flying: passenger or not
What is normally included is flying as a passenger on an aircraft operated by an airline with a regular licence. Flying as a crew member, as the pilot of a private aircraft, in a helicopter for work, or in a microlight or glider falls outside the standard cover. Parachuting and similar air sports are also generally named separately as excluded activities.
The sanctions and territory clause
International policies contain a provision that there is no cover or payment to the extent that it would breach sanctions legislation. If your organisation works in countries subject to sanctions, a loss there can prove unpayable, however clear the description of cover otherwise is. Have it checked in advance which countries appear on the policy and which are expressly excluded.
The description of the group is the cover
Without a list of names, the description determines who is insured. If a student on placement, an agency worker, a consultant brought in or an accompanying partner does not fall within it, there is no claim after an accident, even though that person travelled on instructions. Go through the description each year, because organisations work with ever more forms of contract for which the original wording was not written.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Size and composition of the group. The number of insured persons and the categories they are placed in form the basis.
Area of cover. Europe, worldwide, or worldwide excluding named countries and sanctioned territories.
Frequency of travel and destinations. The number of travel days and the risk profile of the countries travelled to.
Occupational classes within the group. Office staff, engineers on site and fieldwork in harsh conditions all count differently.
Sums insured and sections. Fixed amounts or a multiple of the annual salary, plus sections such as repatriation and evacuation.
Hours of cover per day. During work and business trips only, or continuously including private time at the destination.
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.
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.
Does the cover apply during free time on a business trip?
That depends on the form chosen. With cover limited to work and business trips, an accident at the weekend at the destination can fall outside the cover. With full round-the-clock cover that distinction does not arise. For staff posted abroad, the latter form is the workable choice in practice.
Are accompanying partners and children insured?
Only where they appear in the group description. On a posting the family often travels too, but the standard description generally names only staff. Have family members expressly included for a long placement, together with the question of which sums insured apply to them and whether the cover also applies during leave in the Netherlands.
What happens where there is negative travel advice?
For areas the government advises against because of war or unrest, the cover usually falls away, or applies only after prior written acceptance. If the advice changes while someone is on the spot, transitional provisions with a period in which to leave often apply. Record for each posting what was agreed at the time.
Does this policy replace travel insurance?
No. A personal accident policy pays a fixed amount on death or permanent disability. Medical costs abroad, patient transport, baggage and assistance through an emergency centre do not fall under it. For travelling staff both covers are needed, and it is sensible to arrange them with the same party or at least so that they dovetail.
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.
