Guidance · gatekeeper rules · building the file
Sickness absence insurance (verzuimverzekering) through De Goudse
An absence policy pays wages, but the cost of long-term absence is determined mainly by what happens in the first few weeks. With this company, the services around guidance are therefore just as important a basis for comparison as the premium.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Verzuimverzekering via De Goudse.
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 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
Finass Advies is an independent intermediary that compares several insurers objectively. De Goudse focuses strongly on small and medium-sized businesses, and that shows in the design of this product: the insurance is offered in combination with absence guidance, so that a smaller employer does not have to contract an occupational health service separately. For the comparison that means one extra calculation, because a lower premium at another company does not outweigh a services contract you have to take out separately.
The Wet verbetering poortwachter (the Dutch Gatekeeper Improvement Act) places responsibility for reintegration with you and the employee together. In the first year of illness the problem analysis, plan of action and periodic evaluations must be in place. The UWV assesses this after two years. If the file falls short, the continued payment of wages is extended. That extension is not an insured risk, and that makes the quality of the guidance a financial question rather than an administrative one.
In substance the policy insures the wages you must continue to pay under Article 7:629 of the Dutch Civil Code, after an excess period and for up to 104 weeks. How that is structured is set out on the hub page sickness absence insurance. If you want to outsource the obligations around guidance as far as possible, also look at the Full-service sickness absence insurance for SMEs. You will find other business covers from this company under the entrepreneur's package.
This page deals with one situation. The full overview is on Compare sickness absence insurance (verzuimverzekering).
What to look for in this policy
Four points on which absence policies differ without the premium showing it.
Who manages the file
Ask specifically who your case manager is, how quickly a company doctor is available and what happens with a case that has a psychological cause, where the lead time is longest. A contract that sets out only the statutory minimum leaves the management to you. That can work well, provided you have someone who keeps track of the deadlines.
Interventions covered or advanced
An occupational assessment, a second-track programme or mediation costs money and often shortens the absence. Some policies have a budget for this, others do not. Check whether prior approval is needed and whether the costs count towards your claims burden, because the latter affects your premium at the next renewal.
What the policy does not pay out
Outside the cover are the wage sanction from the UWV, wages during pregnancy and maternity leave, for which the Work and Care Act provides a benefit, and sickness absence that was already running on the start date. The costs of replacement staff, lost turnover and the employer's share of pension accrual are not included either, unless the policy has a separate loading for them.
Report changes in your workforce
The premium is based on the wage bill you declare and is settled afterwards. If you grow strongly, take on staff from another business or change the nature of the work, report it. This falls under the duty of disclosure in Article 7:928 of the Dutch Civil Code; an incorrect statement can, under Article 7:930 of the Dutch Civil Code lead to a lower payment, at precisely the moment you need the policy.
What does your premium depend on?
- Wage bill and number of employees: the basis for the premium and the year-end adjustment
- Deferment period chosen: in working days, per case of illness
- Percentage of salary insured: often different for year one and year two
- Your company's absence history: supported by figures covering several years
- Sector and physical strain: determines the likelihood of long-term absence
- Scope of the services: basic guidance or full support
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Sickness absence insurance (verzuimverzekering) | Full-service option |
|---|---|---|
| Your employee breaks a leg at the weekend and is at home for three months | Yes | Yes |
| An employee reports sick with stress after a conflict on the shop floor | Yes | Yes |
| The employee returns for half days and remains ill for the rest of the time | Yes | Yes |
| You, as the director and majority shareholder, report sick and are off work for six months | No | No |
| An on-call worker with a zero-hours contract is off work long term | Provided that | Provided that |
| Your employee is still ill after two years and enters the WIA | No | No |
The payment follows your obligation to continue paying wages. When that ends, the cover ends too.
Frequently asked questions
This is what people ask us most.
Do I still need to engage an occupational health service alongside this insurance?
You are legally required to be assisted by a company doctor for absence guidance and to have a basic contract. If the guidance is provided through the insurance, that meets the requirement. If you take out financial cover only, you arrange the occupational health services yourself. With a quotation, always check which of the two situations applies, because it makes a difference of an entire cost item.
What exactly does a wage sanction cost me?
The UWV can extend the obligation to continue paying wages by up to 52 weeks if your reintegration efforts fall short. During that period you continue to pay wages without an insurance payment and without the WIA assessment starting. An objection is possible, but repairing an incomplete file afterwards is difficult. Recording things during the process is therefore more effective than fixing them at the end.
Is a sick employee with a no-risk policy also insured?
For that employee you receive a Sickness Benefits Act payment from the UWV. That payment is deducted from the sickness absence insurance payment, so that the wages are compensated once. So report the existence of the no-risk policy when you claim. If you do not, the set-off will follow later anyway and the handling of your file will be delayed unnecessarily.
Does the cover continue if I switch to another insurer?
Current cases of illness stay with the insurer to which they were reported, until the end of the benefit period or until 104 weeks. New absence falls under the new policy. So never cancel without written confirmation of how the current cases will be settled. A gap on that point costs you the full continued payment of wages for those employees.
Read more
Within Verzuimverzekering
- Verzuimverzekeringthe main page
- Allianz zakelijk verzuimverzekering conventioneel
- Sickness absence insurance (verzuimverzekering) and income protection in one combination through Allianz
- Allianz zakelijk verzuimverzekering stop loss
- Avero achmea verzuimverzekering
- Ziekte en arbeidsongeschiktheid
- Full-service sickness absence insurance: who takes the lead?
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- Compare sickness absence insurance (verzuimverzekering)
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