Absenteeism insurance Education Medium-High risk

📊 Education Absenteeism Insurance

Premium from 3.5% of wage bill

Avg. absenteeism industry 5.8%

Wage coverage 70% - 100%

Benefit duration Max 104 weeks

💰

Continued payment of wages

👨‍⚕️

Working conditions service

🔄

Reintegration

✓

12+ Insurers

Absenteeism Insurance for Education

As an employer, you are obliged to continue paying the wages of sick employees for a maximum of 2 years. With an average absenteeism rate of 5.8% in your industry, these costs can increase considerably. Absenteeism insurance protects your company against these financial risks.

The following applies specifically to education: emotional burden, a lot of talking, work pressure. This makes good absenteeism insurance extra important. In addition to wage costs, you will also receive support with absenteeism guidance and reintegration.

We compare absenteeism insurance from 12+ insurers and advise you on the best coverage and waiting days for your situation.

Practice

Absence risks Education

Typical absenteeism situations in your industry.

😰 Burnout

Teacher becomes overstressed due to high workload.

€30,000

🗣️ Voice complaints

Teacher gets voice problems, can't teach.

€10,000

😔 Psychological Complaints

Employee drops out with depression.

€35,000

🤒 Infection

Teacher contracts illness from students.

€5,000

Coverage

What does the Absenteeism Insurance cover?

💰

Continued payment of wages

Reimbursement of wage costs during illness, usually 70-100% of the wage for a maximum of 104 weeks.

👨‍⚕️

Company doctor

Access to a company doctor for absenteeism guidance and medical advice (for variant with occupational health and safety service).

📋

Case management

Professional guidance of absenteeism cases by a case manager (for variant with occupational health and safety service).

🔄

Reintegration

Budget and support for reintegration activities to get employees back to work.

🛡️

Prevention

Prevention advice and risk assessment to prevent absenteeism (with some variants).

⚖️

Gatekeeper Act

Support with the obligations under the Gatekeeper Improvement Act.

Premium

How much does absenteeism insurance cost?

Education Absenteeism Insurance

From 3.5% of wage bill

Premium depends on wage bill, industry, absenteeism history and chosen waiting days.
Shorter waiting days = higher premium, but less risk.

Why Choose Finass Insures?

📊

Industry Specialist

Knowledge of absenteeism risks per sector for optimal coverage.

💰

Competitive Premiums

Comparison of 12+ insurers for the best price.

📋

Waiting days Advice

Advice on optimal waiting days for your situation.

🎓

50+ Years of Experience

Specialist in business insurance. Personal advice.

FAQ

Frequently Asked Questions Absenteeism Insurance

The waiting days are the number of days that you bear the wage costs yourself before the insurance pays out. More waiting days = lower premium, but more risk. For small companies we often recommend 10-30 waiting days, for larger companies more waiting days may be interesting.

This depends on the chosen variant. With absenteeism insurance with occupational health and safety service, you receive a company doctor, case management and reintegration budget included. With absenteeism insurance without occupational health and safety service, you arrange this yourself and only pay for the wage costs cover.

Absenteeism insurance is for employers and covers the wage costs of sick employees. An AOV (disability insurance) is for self-employed people and entrepreneurs themselves and covers loss of income in the event of their own disability.

After 2 years of illness, your obligation to continue paying wages ends and the employee may be eligible for a WIA benefit. As an employer you may be faced with WGA charges. You can take out separate WGA insurance for this.

Yes, but the premium will be higher and some insurers impose conditions. We advise you about the options and help you to improve your absenteeism policy for a lower premium in the future.

Is your staff well insured?

Request a quote for your absenteeism insurance without obligation.

Absence Insurance Cleaning 2025 | Compare Sickness Absence Insurance | Finass Insures

🧹 Sickness Absence Insurance

Absenteeism insurance Cleaning High risk

✓ Continued payment of wages

✓ Working conditions service

✓ Reintegration

✓ Prevention

📊 Absenteeism Insurance Cleaning

Premium from 4.2% of wage bill

Avg. absenteeism industry 6.5%

Wage coverage 70% - 100%

Benefit duration Max 104 weeks

💰

Continued payment of wages

👨‍⚕️

Working conditions service

🔄

Reintegration

✓

12+ Insurers

Absence Insurance for Cleaning

As an employer, you are obliged to continue paying the wages of sick employees for a maximum of 2 years. With an average absenteeism rate of 6.5% in your industry, these costs can increase significantly. Absenteeism insurance protects your company against these financial risks.

Specific to cleaning applies: physically demanding, chemicals, early/late hours. This makes good absenteeism insurance extra important. In addition to wage costs, you will also receive support with absenteeism guidance and reintegration.

We compare absenteeism insurance from 12+ insurers and advise you on the best coverage and waiting days for your situation.

Practice

Absence risks Cleaning

Typical absenteeism situations in your industry.

🦵 Physical Complaints

Cleaner gets knee and back problems.

€15,000

🧪 Allergic Reaction

Employee reacts to cleaning products.

€8,000

🤕 Slipping

Fall on wet floor, fracture ankle.

€12,000

😰 Overvoltage

Team leader burns out due to staff shortage.

€22,000

Coverage

What does the Absenteeism Insurance cover?

💰

Continued payment of wages

Reimbursement of wage costs during illness, usually 70-100% of the wage for a maximum of 104 weeks.

👨‍⚕️

Company doctor

Access to a company doctor for absenteeism guidance and medical advice (for variant with occupational health and safety service).

📋

Case management

Professional guidance of absenteeism cases by a case manager (for variant with occupational health and safety service).

🔄

Reintegration

Budget and support for reintegration activities to get employees back to work.

🛡️

Prevention

Prevention advice and risk assessment to prevent absenteeism (with some variants).

⚖️

Gatekeeper Act

Support with the obligations under the Gatekeeper Improvement Act.

Premium

How much does absenteeism insurance cost?

Absence Insurance Cleaning

From 4.2% of wage bill

Premium depends on wage bill, industry, absenteeism history and chosen waiting days.
Shorter waiting days = higher premium, but less risk.

Why Choose Finass Insures?

📊

Industry Specialist

Knowledge of absenteeism risks per sector for optimal coverage.

💰

Competitive Premiums

Comparison of 12+ insurers for the best price.

📋

Waiting days Advice

Advice on optimal waiting days for your situation.

🎓

50+ Years of Experience

Specialist in business insurance. Personal advice.

FAQ

Frequently Asked Questions Absenteeism Insurance

Yes, but the premium will be higher and some insurers impose conditions. We advise you about the options and help you to improve your absenteeism policy for a lower premium in the future.

Is your staff well insured?

Request a quote for your absenteeism insurance without obligation.

Absenteeism insurance IT Medium risk

✓ Continued payment of wages

✓ Working conditions service

✓ Reintegration

✓ Prevention

📊 ICT absenteeism insurance

Premium from 2.5% of wage bill

Avg. absenteeism industry 3.5%

Wage coverage 70% - 100%

Benefit duration Max 104 weeks

💰

Continued payment of wages

👨‍⚕️

Working conditions service

🔄

Reintegration

✓

12+ Insurers

Absenteeism insurance for IT

As an employer, you are obliged to continue paying the wages of sick employees for a maximum of 2 years. With an average absenteeism rate of 3.5% in your industry, these costs can increase considerably. Absenteeism insurance protects your company against these financial risks.

Specific to ICT applies: intensive screen work, deadlines, specialist knowledge. This makes good absenteeism insurance extra important. In addition to wage costs, you will also receive support with absenteeism guidance and reintegration.

We compare absenteeism insurance from 12+ insurers and advise you on the best coverage and waiting days for your situation.

Practice

ICT absenteeism risks

Typical absenteeism situations in your industry.

😰 Burnout

Developer becomes overstressed by project pressure.

€35,000

🖥️ RSI

Programmer gets wrist and arm complaints.

€15,000

👀 Eye complaints

Employee gets headaches from computer work.

€5,000

😔 Psychological Complaints

IT worker drops out with anxiety complaints.

€28,000

Coverage

What does the Absenteeism Insurance cover?

💰

Continued payment of wages

Reimbursement of wage costs during illness, usually 70-100% of the wage for a maximum of 104 weeks.

👨‍⚕️

Company doctor

Access to a company doctor for absenteeism guidance and medical advice (for variant with occupational health and safety service).

📋

Case management

Professional guidance of absenteeism cases by a case manager (for variant with occupational health and safety service).

🔄

Reintegration

Budget and support for reintegration activities to get employees back to work.

🛡️

Prevention

Prevention advice and risk assessment to prevent absenteeism (with some variants).

⚖️

Gatekeeper Act

Support with the obligations under the Gatekeeper Improvement Act.

Premium

How much does absenteeism insurance cost?

ICT absenteeism insurance

From 2.5% of wage bill

Premium depends on wage bill, industry, absenteeism history and chosen waiting days.
Shorter waiting days = higher premium, but less risk.

Why Choose Finass Insures?

📊

Industry Specialist

Knowledge of absenteeism risks per sector for optimal coverage.

💰

Competitive Premiums

Comparison of 12+ insurers for the best price.

📋

Waiting days Advice

Advice on optimal waiting days for your situation.

🎓

50+ Years of Experience

Specialist in business insurance. Personal advice.

FAQ

Frequently Asked Questions Absenteeism Insurance

Yes, but the premium will be higher and some insurers impose conditions. We advise you about the options and help you to improve your absenteeism policy for a lower premium in the future.

Is your staff well insured?

Request a quote for your absenteeism insurance without obligation.

Absenteeism insurance Business Services Office Medium risk

✓ Continued payment of wages

✓ Working conditions service

✓ Reintegration

✓ Prevention

📊 Absenteeism Insurance Office Business Services

Premium from 2.5% of wage bill

Avg. absenteeism industry 3.8%

Wage coverage 70% - 100%

Benefit duration Max 104 weeks

💰

Continued payment of wages

👨‍⚕️

Working conditions service

🔄

Reintegration

✓

12+ Insurers

Absenteeism Insurance for Office Business Services

As an employer, you are obliged to continue paying the wages of sick employees for a maximum of 2 years. With an average absenteeism rate of 3.8% in your industry, these costs can increase considerably. Absenteeism insurance protects your company against these financial risks.

Specific to office business services: screen work, deadlines, high workload. This makes good absenteeism insurance extra important. In addition to wage costs, you will also receive support with absenteeism guidance and reintegration.

We compare absenteeism insurance from 12+ insurers and advise you on the best coverage and waiting days for your situation.

Practice

Absenteeism Risks Office Business Services

Typical absenteeism situations in your industry.

😰 Burnout

Consultant becomes overstressed due to high workload.

€30,000

🖥️ RSI

Employee gets RSI due to a lot of computer work.

€12,000

😔 Depression

Employee drops out with depressive complaints.

€35,000

🦵 Back problems

Employee gets complaints due to wrong posture.

€10,000

Coverage

What does the Absenteeism Insurance cover?

💰

Continued payment of wages

Reimbursement of wage costs during illness, usually 70-100% of the wage for a maximum of 104 weeks.

👨‍⚕️

Company doctor

Access to a company doctor for absenteeism guidance and medical advice (for variant with occupational health and safety service).

📋

Case management

Professional guidance of absenteeism cases by a case manager (for variant with occupational health and safety service).

🔄

Reintegration

Budget and support for reintegration activities to get employees back to work.

🛡️

Prevention

Prevention advice and risk assessment to prevent absenteeism (with some variants).

⚖️

Gatekeeper Act

Support with the obligations under the Gatekeeper Improvement Act.

Premium

How much does absenteeism insurance cost?

Absenteeism Insurance Office Business Services

From 2.5% of wage bill

Premium depends on wage bill, industry, absenteeism history and chosen waiting days.
Shorter waiting days = higher premium, but less risk.

Why Choose Finass Insures?

📊

Industry Specialist

Knowledge of absenteeism risks per sector for optimal coverage.

💰

Competitive Premiums

Comparison of 12+ insurers for the best price.

📋

Waiting days Advice

Advice on optimal waiting days for your situation.

🎓

50+ Years of Experience

Specialist in business insurance. Personal advice.

FAQ

Frequently Asked Questions Absenteeism Insurance

Yes, but the premium will be higher and some insurers impose conditions. We advise you about the options and help you to improve your absenteeism policy for a lower premium in the future.

Is your staff well insured?

Request a quote for your absenteeism insurance without obligation.

Absenteeism Insurance Retail Shop 2025 | Compare Sickness Absence Insurance | Finass Insures

🛒 Sickness Absence Insurance

Absenteeism insurance Retail Shop Medium risk

✓ Continued payment of wages

✓ Working conditions service

✓ Reintegration

✓ Prevention

📊 Absence Insurance Retail Shop

Premium from 3.0% of wage bill

Avg. absenteeism industry 4.2%

Wage coverage 70% - 100%

Benefit duration Max 104 weeks

💰

Continued payment of wages

👨‍⚕️

Working conditions service

🔄

Reintegration

✓

12+ Insurers

Absenteeism Insurance for Retail Shop

As an employer, you are obliged to continue paying the wages of sick employees for a maximum of 2 years. With an average absenteeism rate of 4.2% in your industry, these costs can increase significantly. Absenteeism insurance protects your company against these financial risks.

The following applies specifically to retail stores: long standing periods, customer contact, seasonal peaks. This makes good absenteeism insurance extra important. In addition to wage costs, you will also receive support with absenteeism guidance and reintegration.

We compare absenteeism insurance from 12+ insurers and advise you on the best coverage and waiting days for your situation.

Practice

Absenteeism Risks Retail Shop

Typical absenteeism situations in your industry.

🦵 Standing complaints

Shop employee gets leg problems from standing for a long time.

€10,000

😰 Stress

Branch manager becomes overstressed by targets.

€20,000

🤒 Flu

Several employees fall ill during public holidays.

€6,000

🤕 Accident

Employee falls down stairs in warehouse.

€15,000

Coverage

What does the Absenteeism Insurance cover?

💰

Continued payment of wages

Reimbursement of wage costs during illness, usually 70-100% of the wage for a maximum of 104 weeks.

👨‍⚕️

Company doctor

Access to a company doctor for absenteeism guidance and medical advice (for variant with occupational health and safety service).

📋

Case management

Professional guidance of absenteeism cases by a case manager (for variant with occupational health and safety service).

🔄

Reintegration

Budget and support for reintegration activities to get employees back to work.

🛡️

Prevention

Prevention advice and risk assessment to prevent absenteeism (with some variants).

⚖️

Gatekeeper Act

Support with the obligations under the Gatekeeper Improvement Act.

Premium

How much does absenteeism insurance cost?

Absenteeism Insurance Retail Shop

From 3.0% of wage bill

Premium depends on wage bill, industry, absenteeism history and chosen waiting days.
Shorter waiting days = higher premium, but less risk.

Why Choose Finass Insures?

📊

Industry Specialist

Knowledge of absenteeism risks per sector for optimal coverage.

💰

Competitive Premiums

Comparison of 12+ insurers for the best price.

📋

Waiting days Advice

Advice on optimal waiting days for your situation.

🎓

50+ Years of Experience

Specialist in business insurance. Personal advice.

FAQ

Frequently Asked Questions Absenteeism Insurance

Yes, but the premium will be higher and some insurers impose conditions. We advise you about the options and help you to improve your absenteeism policy for a lower premium in the future.

Is your staff well insured?

Request a quote for your absenteeism insurance without obligation.