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
What sets this product apart is not the company but the trip duration and the area. It is intended for employees who spend weeks to months at a stretch on a project, generally outside Europe, sometimes with family travelling with them. Think of installation and maintenance crews, engineers on a foreign building site and employees temporarily seconded to a foreign branch.
That kind of stay raises different questions from a two-day trip to a trade fair. Dutch health insurance and social security have to be arranged, evacuation and repatriation become real possibilities, and thought has to be given to medical care in places where there is no acceptable local alternative.
If your travel is mainly short trips within Europe, continuous cover is more suitable: see business travel insurance through Avéro Achmea. Finass sets both versions side by side and looks at which suits your travel pattern.
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 Hienfeld and other insurers offer here.
Baggage & business equipment abroad
SOS emergency assistance centre
Accidents during the trip
For your employees
Extended cover
As well as medical assistance, also baggage, repatriation, legal expenses and cancellation.
Baggage & business equipment
SOS assistance & repatriation
Travel legal expenses cover
Complete package
The most complete cover. We compare Hienfeld's extended versions with the market.
Liability while travelling
Cancellation & interruption
Money & documents
Higher benefit limits
What is covered
Situation
Basic
With winter sports module
Theft of luggage from a locked space
Provided that
Provided that
Repatriation after an accident
Yes
Yes
Medical expenses abroad
Provided that
Provided that
Damage to or theft of hired ski equipment
No
Yes
An accident while skiing off-piste
No
Provided that
A trip to an area with a negative travel advisory
No
No
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The trip duration determines whether you have the right product
Every travel policy has a maximum consecutive trip duration. If an employee stays on site longer than that period, cover lapses for the part after it, even where the trip itself is entirely for business. Posting cover is designed for that and works in months rather than days. If a project is unexpectedly extended, report it before the period expires; arranging it afterwards is not possible.
Area, evacuation and travel advice
Worldwide cover does not mean cover everywhere. Areas subject to a negative travel advisory and loss caused by acts of war are excluded as standard. If you do want to work there, that has to be agreed and assessed separately in advance. Evacuation in the event of a natural disaster or political unrest is a separate section that you deliberately insure. Expect the insurer to impose requirements about reporting destinations before departure.
Health insurance and social security during secondment
With a long-term posting the Dutch insurance obligation may end or in fact continue, depending on the country and the social security position recorded. If the basic health insurance ends without anything taking its place, the supplementary effect of the travel cover falls away and the employee is effectively uninsured. Arrange this before departure and check whether accompanying family members are on the policy; as standard they are not.
This is not liability cover
Your duty of care as an employer (Article 7:658 of the Dutch Civil Code) and the requirements of good employment practice (Article 7:611 DCC) apply in full on a foreign project site. This policy provides for costs and benefits, but does not fend off a claim. You need liability cover for that. Tools and equipment taken along are not included either, and local motor vehicles are subject to the insurance obligation of the country itself.
Theft of the load
Loading & unloading
What does your premium depend on?
Length of the posting. The number of months an employee spends on site at a stretch is decisive.
Country of destination and risk class. The availability of medical care and the security situation on the ground weigh heavily.
Nature of the work on site. Installation work, offshore work or work at height is assessed differently from office or advisory duties.
Accompanying family members. Insuring a partner and children changes both the premium and the acceptance questions.
Sections included. Evacuation, repatriation, personal accident and luggage are added section by section.
Number of employees posted abroad. A continuous contract for a fixed group is rated differently from individual postings per project.
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.
When do I choose this instead of a continuous business travel policy?
As soon as employees are away for longer at a stretch than the maximum trip duration of an ordinary continuous policy, or work outside Europe on a regular basis. For short trips to customers and trade fairs within Europe, continuous cover is simpler and cheaper. If you have both patterns, a combination is possible; we look at which trips fall under which policy so that no gap arises.
Are accompanying family members insured?
Only if that has been arranged on the policy. As standard, business travel cover insures the employee who is posted. If the family goes along for the duration of the project, the partner and children have to be enrolled separately, with their own provisions for medical expenses and repatriation. Arrange this before departure; enrolling once they are on the way rarely works in practice without a period of being uninsured.
What if the destination becomes subject to a negative travel advisory while someone is already there?
Report it to the insurer straight away. New trips to such an area are generally excluded, but for someone already staying there transitional arrangements often exist, and it is precisely then that the evacuation section becomes relevant. Loss caused by acts of war remains excluded in all cases. Record the arrangements made in writing, so that there is no argument afterwards about when it was reported.
Are the tools my engineers take with them covered?
Personal luggage falls under the luggage section, but company tools, measuring equipment and materials do not, or only to a limited extent. For those items goods in transit or equipment insurance is the appropriate route, depending on whether they are in transit or on the project site. Have it recorded before departure which policy covers which element; this is a classic gap on foreign projects.
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.
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