Basic cover
- Permanent disability (one-off payment)
- Death caused by an accident
- During work & commuting
- Fixed or salary-related benefit
Personal accident insurance through Hienfeld
Personal accident insurance pays an amount agreed in advance on death or permanent loss of function. What you actually lose in income or costs plays no part in that payment.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Personal accident insurance pays a an amount agreed in advance: a sum on death caused by an accident and a percentage of a sum on permanent loss of function. It is therefore not a reimbursement of costs and not income insurance. Anyone who wants to protect their income against long-term absence needs disability insurance; anyone who wants to cover medical costs while travelling ends up with travel insurance.
This page is about the individual policy, which you take out yourself as policyholder for yourself or your family. If an employer takes out the cover for its staff, different rules apply to the circle of insured persons and to the basis of the payment. You can read about that on the page about collective personal accident insurance.
We set the Hienfeld conditions alongside those of other providers on the points that make the difference with this product: the gliedertaxe (the disability scale) applied, the description of the term accident, the age limits and the list of excluded sports. It is on precisely those points that policies differ more than they do on premium.
Independent, personal, sorted quickly
We compare your personal accident insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Hienfeld?
The structure of the cover in three parts, with an overview per situation below.
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 Hienfeld's extended versions 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 Hienfeld |
|---|---|---|
| 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 Hienfeld 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.
What does your premium depend on?
- Sum insured on death. The payment to dependants is chosen and priced separately from the disability cover.
- Sum insured for permanent disability. This amount forms the basis to which the percentage of loss of function established is applied.
- Age at inception. The chance of an accident and the time to recover rise with age; above a threshold, lower payments often apply.
- Occupational class. Office work, field work and physical work with machinery fall into different risk classes.
- Cover in time. During work and commuting only is cheaper than cover that applies seven days a week.
- Sports and hobbies. Diving, climbing, motorsport and combat sports lead to an additional premium or to exclusion of that activity.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
An amount, not damages
This is fixed-sum insurance. The amount stated on the policy is paid as soon as the accident and its consequence are established; nobody works out how much loss you actually suffered. The principle of indemnity in Article 7:960 of the Dutch Civil Code, which under indemnity insurance prevents you from profiting, does not apply here. If someone else is liable under Article 6:162 of the Dutch Civil Code, that claim continues to exist alongside the payment.
Permanent injury is assessed in percentages
Loss of function is expressed as a percentage according to a fixed table, the gliedertaxe. The loss of a thumb counts differently in it from the loss of an eye, whatever work you do. That percentage is only set once the final medical position has been reached, and after brain injury or a complicated fracture that can take a year or more. Until then there is at most an advance payment.
Illness is not an accident
What is covered is injury caused by sudden external violence. That leaves a great deal outside the policy: a slipped disc or back trouble that arises gradually, a burnout, an injury from overloading while playing sport, and injury arising from a condition. Injury sustained under the influence of alcohol or drugs, in a fight you start yourself or while taking a risk is also excluded. Article 7:952 of the Dutch Civil Code excludes deliberate acts and recklessness in any event.
What you declare on the application counts later
The insurer asks about your occupation, your sports and any injury you already have. That is the duty of disclosure in Article 7:928 of the Dutch Civil Code. If you conceal an earlier accident that already caused loss of function, the insurer may reduce or refuse the payment under Article 7:930 of the Dutch Civil Code. Report an accident in good time as well: Article 7:941 of the Dutch Civil Code attaches consequences to a late report that prejudices the insurer.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Do I still receive the payment if someone else is liable?
Yes. Because this is fixed-sum insurance, the payment is in principle not set off against the damages you receive from the liable party. You can therefore both claim on your own policy and pursue the other party under Article 6:162 of the Dutch Civil Code. Do check whether your conditions contain a different provision on setting off, because those do occur.
When is the disability percentage assessed?
Only once your condition is medically stable, the so-called final position. With a fracture that heals cleanly that can be within a year. With brain injury or nerve damage it takes considerably longer. The medical adviser assesses the loss of function using the gliedertaxe set out in the conditions. Most policies have a final date after which the assessment is made in any event.
Is an accident while playing sport covered?
For ordinary recreational sport, usually yes, provided it is a sudden event and not overloading. Off-piste winter sports, climbing, diving, motorsport and combat sports, however, often appear on the list of exclusions or attract an additional premium. Declare your sports on the application, therefore, even if you only take part for a few weeks a year.
What if I later die from the same accident?
The death payment then comes into play, usually less what has already been paid for permanent disability. The condition is that the death occurs within the period named in the policy after the accident and that the causal link with that accident is established. That period differs by insurer and is worth comparing.
Every situation is different. For these situations we have a separate page.
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.