Absenteeism insurance for Employers
A sick employee costs an average of €360-€400 per day. You are legally obliged to continue paying wages for 2 years. With absenteeism insurance you cover this risk and you receive help with reintegration and the Gatekeeper Improvement Act.
💰 Premium indication 2025
€360-€400
costs per sick employee/day
2 years
mandatory continued payment of wages
+1 year
wage penalty for non-compliance
70%
minimum continued payment of wages
What is a Absenteeism insurance?
A Absenteeism insurance (also called absenteeism insurance) covers the costs of continued payment of wages in the event of illness of your employees. As an employer, you are legally obliged to provide a minimum 70% for 2 years of wages to be paid.
In addition to financial coverage, you will receive help with: absenteeism guidance, reintegration and the obligations under the Gatekeeper Improvement Act. This way you can focus on your business!
What Cost omission?
A sick employee costs on average €360-€400 per day. These are not only labor costs, but also replacement costs, Reintegration costs and production loss.
Long-term absenteeism is a problem, especially for SMEs high financial risk. Long-term absenteeism is increasingly leading to: bankruptcies with uninsured employers!
Obligations in the event of Illness
As an employer you must follow these steps. Non-compliance can lead to a wage penalty!
Reporting illness to the occupational health and safety service
Report the illness to your occupational health and safety service or company doctor within one week. Register the first day of illness.
Problem analysis by company doctor
The company doctor draws up a problem analysis with limitations, recovery options and a return to work prognosis.
Draw up an action plan
The employer and employee together draw up an Action Plan with concrete agreements about reintegration.
Report illness to UWV
Report long-term illness to UWV. This is mandatory for the further WIA procedure.
First-year evaluation
Evaluate the reintegration and determine whether Track 2 (work for another employer) is necessary.
Final evaluation & WIA application
Draw up the reintegration report. Employee applies for WIA benefit from UWV.
🛡️ What does absenteeism insurance cover?
Extensive coverage for all consequences of absenteeism due to illness.
Continued payment of wages
Reimbursement of the wages that you must continue to pay in the event of illness. Choose the coverage percentage yourself: 70% to 100%.
Employer charges
Insuring employer costs such as holiday pay, pension and social security contributions. Up to 25% extra.
Reintegration costs
Costs for reintegration, interventions and adjustments to allow the employee to return.
Company doctor
Access to a company doctor for consultation hours, problem analysis and medical advice.
Case manager
Personal case manager who manages the absenteeism file and guides you.
Gatekeeper Guarantee
Reimbursement of any wage penalty if you follow the insurer's advice.
Absenteeism prevention
Preventive services such as health check, vitality programs and PMO.
Absenteeism registration
Online portal for sick and recovery reports, file building and reports.
Help with employment law questions, UWV expert opinion and conflicts.
Types of Absenteeism Insurance
Choose the package that suits your needs: from basic to completely carefree.
Conventional
- ✓ Continued payment of wages after the deductible period
- ✓ Choose deductible: 10 days - 52 weeks
- ✓ Choose coverage percentage: 70-100%
- ✓ Occupational health service optional
- ✓ More personal control
- ✓ Lower premium possible
SME Absence relief
- ✓ Completely unburdened in case of absence
- ✓ Case manager takes control
- ✓ Occupational health service included
- ✓ Gatekeeper Guarantee
- ✓ More stable premium (solidarity)
- ✓ All interventions reimbursed
Stop Loss
- ✓ For companies with 40+ employees
- ✓ Deductible in euros (annual budget)
- ✓ Reimbursement above the deductible amount
- ✓ Co-insure employer expenses
- ✓ Tax deductible
- ✓ Maximum control
Compose your Absenteeism Insurance
Determine the most important parameters of your insurance yourself.
⏱️ Deductible period
📊 Coverage percentage
💼 Employer charges
📅 Contract duration
Beware: UWV wage sanction!
If UWV judges that you have not done enough to reintegrate, the UWV can make a decision wage penalty impose. This means that you receive the wages of your sick employee up to a maximum of 1 year longer must continue to pay. You pay instead of 2 years 3 years salary!
- ⚠️ Too late with Action Plan or problem analysis
- ⚠️ Insufficient reintegration efforts
- ⚠️ Company doctor not called in on time
- ⚠️ Track 2 not started or started too late
- ⚠️ Incomplete reintegration file
Solution: Absenteeism insurance with Gatekeeper Guarantee will reimburse any wage penalty if you follow the case manager's advice!
Who can help you with absenteeism?
A contract with an occupational health and safety service is legally required. Often included in your absenteeism insurance.
Company doctor
Medical assessment, problem analysis, consultation hours and advice on resilience.
Case manager
Manages the absenteeism file, monitors deadlines and guides you with obligations.
Labor expert
Investigates opportunities for suitable work within or outside your organization.
Psychologist/Coach
Guidance for psychological complaints, burnout, stress and work-related problems.
Covered and Not Covered
Know what your absenteeism insurance does and does not reimburse.
✓ Well covered
- ✓ Continued payment of wages after the deductible period
- ✓ Employer's charges (optional, up to 25%)
- ✓ Reintegration costs and interventions
- ✓ Occupational health and safety services (for care)
- ✓ Company doctor and case manager
- ✓ Gatekeeper guarantee (wage sanction)
- ✓ Non-work related illness
- ✓ All employees on payroll
- ✓ Absenteeism prevention (with some policies)
- ✓ Legal support
✗ Not Covered
- ✗ Illness upon entry into employment (existing illness)
- ✗ Recovered less than 4 weeks at onset
- ✗ Continued payment of wages within the deductible period
- ✗ Intentionally caused disease
- ✗ Illness due to war or molestation
- ✗ Maternity leave
- ✗ Disability after 2 years (WIA)
- ✗ Directors and cooperating partners
- ✗ Temporary workers and self-employed people
- ✗ Loss of production and loss of turnover
Why Choose Us?
Absenteeism Specialist
Extensive experience with absenteeism insurance for SME employers.
Gatekeeper Guarantee
Reimbursement of wage sanction if you follow the advice.
Choose from several national occupational health and safety service providers.
50% Shorter Absenteeism
On average, almost half the duration of absence with care insurance.
Collective discount
Take advantage of collective purchasing benefits.
Online Portal
Easily report illness and recovery via app or portal.
100% Independent
We compare all absenteeism insurers for the best deal.
50+ Years of Expertise
More than 50 years of experience in business insurance.
Frequently Asked Questions
Protect Your Business Against Absenteeism Costs
Compare absenteeism insurance now and get help with absenteeism due to illness and the Gatekeeper Improvement Act!
