A lot can go wrong during construction: fire, storm, water damage, theft or a construction error. CAR insurance (Construction All Risk) covers material damage to the work in progress, building materials on the construction site and optional auxiliary equipment.
As an ongoing employee, you are responsible for several construction projects per year. Without CAR insurance, damage will be at your own expense or it will lead to discussion with the client. Clients are increasingly demanding in the specifications that the work is insured.
You can choose from a continuous CAR (for multiple projects per year) or an expiring CAR (per project). We are happy to advise you on the best choice for your situation.
Practice
Damage Examples Continuous
This can happen during several construction projects per year.
📋 Multiple Projects
All your construction projects insured in one go.
Damage: Variable
💰 Lower Premium
Lower premium per project than expiring CAR.
Damage: Savings
⏱️ Max 24 Months
Same premium up to 24 months of construction time per project.
Damage: Certainty
📝 Less Administration
No separate insurance required per project.
Damage: Convenience
Coverage
What does the CAR insurance cover?
🏗️
Work in Progress
Damage to the structure during construction: collapse, construction errors, damage.
📦
Building materials
Materials on the construction site: damage due to fire, storm, water or theft (after forcible entry).
🔧
Auxiliary equipment
Optional: scaffolding, formwork, construction lifts and other auxiliary equipment on the construction site.
🏠
Existing Property
For conversion/renovation: optional cover for damage to the existing building.
🔨
Execution errors
Damage due to errors in implementation (policy dependent, often with limitations).
📋
Maintenance period
Optional: coverage during the maintenance period after delivery (usually 12 months).
Premium
How much does CAR insurance cost?
CAR insurance Continuous
From €200/month
Continuous CAR for multiple projects. Decreasing CAR: usually 0.1% - 0.5% of the construction sum. Premium depends on project type, construction amount, duration and risks.
Experience with CAR insurance for all construction projects and professions.
📋
Cutlery Check
We check whether your policy meets the client's requirements.
💰
Competitive Premiums
Comparison of 20+ insurers for the best price.
🎓
50+ Years of Experience
Specialist in construction and business insurance.
FAQ
Frequently Asked Questions CAR insurance
No, CAR insurance is not legally required. However, more and more clients are demanding that the work be insured. Specifications and UAV conditions often contain a CAR requirement with minimum limits.
A continuous CAR covers all your projects in one policy - ideal for multiple projects per year. A descending CAR is per project and is calculated as a percentage of the construction sum. For one large project, descending is often cheaper.
Yes, but often only after forced entry and with strict security requirements. Think of lockable storage, locks, fences and registration. The conditions differ per insurer.
Not always. Coverage depends on the main contractor's policy. There are often high deductibles or exclusions. Your own CAR insurance provides certainty that your work is always covered.
The maintenance period is the period after delivery (usually 12 months) during which damage due to maintenance or repair can be insured. This often must be explicitly insured.
Is your construction project well insured?
Request a quote for your CAR insurance without obligation. We are happy to advise you.
💰 Own Retention • Emergencies • 25+ Employees • Control
Stop Loss Absenteeism insurance
The stop-loss absenteeism insurance works with a deductible in money: your own retention. You pay the absenteeism costs yourself up to this amount, above which the insurer will reimburse. Ideal for larger companies (25-250 employees) that want maximum control over their absenteeism budget.
Eand stop-loss absenteeism insurance (also disaster insurance or Deductible in money mentioned) protects your business against unexpectedly high absenteeism costs. Instead of a deductible in days, this insurance works with a deductible euros.
It is checked annually whether your total absenteeism costs are as determined in advance Own Preservation exceed. Just the part above this amount is reimbursed by the insurer.
🎯
Why Stop Loss?
The stop-loss insurance is ideal for this larger employers which is sufficient financial reserves have to bear regular absenteeism themselves, but want to protect themselves against unexpected peaks.
You know in advance the maximum amount you spend on absenteeism costs per year. Especially suitable for companies with a stable, predictable absenteeism rate due to the law of large numbers.
💰 How is Own Retention Calculated?
Your retention is based on your average absenteeism percentage over the last 3 years.
Self-retention formula
Absenteeism % (3 years avg.)
×
Total Wage Sum
×
Storage factor (100-150%)
=
Own Preservation
Example Small
€100,000
Wage sum €2.5 million × 4% absenteeism
Example Means
€200,000
Wage sum €5 million × 4% absenteeism
Example Large
€400,000
Wage sum €10 million × 4% absenteeism
How Does It Work
Stop Loss in 4 Steps
This is how the annual settlement of the stop-loss absenteeism insurance works.
1
You Pay Absence Costs
You continue to pay wages to sick employees throughout the year, as required by law.
2
Auditor's report
At the end of the year, your accountant will provide an overview of all wages paid during illness.
3
Insurer Calculates
The insurer compares your total absenteeism costs with the personal retention (predetermined amount).
4
Benefit Above Maintenance
The insurer will only pay out the difference if the costs are higher than the retention.
To compare
Stop-Loss vs Conventional vs Unburdened
Which absenteeism insurance suits your situation?
Feature
Stop Loss
Conventional
SME Relief
Deductible type
In money (euros/year)
In days (per case of illness)
In days
Suitable for
25-250 employees
1-25 employees
1-25 employees
Minimum wage bill
€675,000 - €1,250,000
No minimum
No minimum
Walk-in risk covered
✓ Yes
✗ No
✗ No
Exit risk covered
✗ No
✓ Yes
✓ Yes
Benefit
Annually afterwards
Monthly
Monthly
Auditor's report
✓ Obliged
✗ Not necessary
✗ Not necessary
Premium level
0.8% - 2.5%
1.5% - 4.0%
2.5% - 4.5%
Advantages
Benefits of Stop-Loss Insurance
💰
Lower premium
Often the lowest premium because you bear more of the risk yourself. 0.8% - 2.5% of wage bill.
📊
Maximum control
You know in advance exactly what the maximum amount you will spend in absenteeism costs per year.
🎯
Disaster cover
Protection against unexpected peaks that occur once every 7-10 years.
✓
Walk-in risk covered
Existing absenteeism upon transfer is also insured. Easy switching from another insurer.
🔧
own direction
You remain in control of absenteeism policy and choice of occupational health and safety service.
📈
Stable Budget
Due to the law of large numbers: more stable absenteeism rate, predictable costs.
💼
Employer's charges included
Optionally insure employer contributions up to 25% of the salary.
📋
Tax deductible
The premium is fully tax deductible as a business expense.
⚠️
Please note: Stop-Loss points of interest
⚠️
Exit risk not covered: If you cancel, you will no longer be covered, not even for ongoing illnesses.
⚠️
Auditor's report required: An annual statement from your accountant regarding continued wages.
⚠️
Payment afterwards: You will only receive benefits after the calendar year, not monthly.
⚠️
Cash flow needed: You must have sufficient reserves to continue paying wages throughout the year.
⚠️
Self-retention increases with high absenteeism: Absenteeism figures for 3 years determine your own retention.
⚠️
Adjust administration: Wages paid during illness must be registered separately.
For whom
Is Stop-Loss Right for You?
The stop-loss absenteeism insurance suits these employers.
🏢
Larger SME (25-50 employees)
You have sufficient staff for a stable absenteeism rate and reserves to cover regular absenteeism.
Min. €675,000 wage bill
🏭
Medium Business (50-250)
The law of large numbers ensures predictable absenteeism. Stop-loss offers the lowest premium.
Ideal target group
💰
Financially Healthy Companies
You have enough cash flow to get through the year and just want protection against disasters.
Sufficient reserves
Coverage
Covered and Not Covered
Know what your stop-loss absenteeism insurance does and does not cover.
✓ Well covered
✓ Default costs in excess of self-retention
✓ All employees up to state pension age
✓ Walk-in risk (existing absenteeism upon transfer)
✓ Up to 104 weeks of continued salary payment
✓ Employer's charges (optional, up to 25%)
✓ Coverage percentage 70-100%
✓ Partially disabled (working part)
✓ Employees recovered for 4 weeks
✓ Maximum €125,000 per employee
✓ Unlimited beyond self-preservation
✗ Not Covered
✗ Absence costs at your own expense
✗ Exit risk (after cancellation)
✗ Illness upon entry into employment (existing)
✗ Recovered less than 4 weeks at onset
✗ Directors and cooperating partners
✗ Temporary workers and self-employed people
✗ Intentionally caused disease
✗ Insufficient cooperation in reintegration
✗ Disability after 2 years (WIA)
✗ Maternity leave
Why Finass
Why Choose Us?
🏢
Stop Loss Specialist
Extensive experience with stop-loss insurance for larger companies.
📊
Own Conservation Calculation
We calculate the optimal retention for your situation.
🔍
Compare All Options
We compare stop-loss, conventional and worry-free for you.
💰
Lowest Premiums
Group discount and competitive rates based on volume.
👨⚕️
7 Occupational health services
Choose from several national occupational health and safety service providers.
📋
Accoyountant Syoupport
Assistance with the annual accountant's report.
✓
100% Independent
We compare all absenteeism insurers for the best deal.
🎓
50+ Years of Expertise
More than 50 years of experience in business insurance.
FAQ
Frequently Asked Questions
A stop-loss absenteeism insurance (disaster insurance) works with a deductible in money: your own retention. You pay the absenteeism costs yourself up to this amount, above which the insurer will reimburse. Payment is made annually in arrears.
Stop-loss is suitable for larger companies with 25-250 employees (min. €675,000-€1,250,000 payroll). Ideal for companies with sufficient reserves to cover regular absenteeism and want protection against peaks.
The personal retention is the amount of absenteeism costs that you bear yourself per year. This is calculated based on your average absenteeism percentage of the last 3 years, multiplied by the wage bill and a surcharge factor.
The premium is between 0.8% and 2.5% of the wage bill, depending on sector, absenteeism rate and self-retention. Often lower than conventional insurance because you bear more of the risk yourself.
With conventional, the deductible is in days (per case of illness), with stop-loss in money (per year). Stop-loss pays out annually in arrears, conventionally monthly. Stop-loss has covered run-in risk, conventionally the run-out risk.
Yes, an annual auditor's report is required for stop-losses. The accountant provides an overview of all wages paid during illness in the previous year. This is necessary for the benefit calculation.
Walk-in risk = existing default during switching is also insured (covered with stop-loss). Exit risk = ongoing illness after cancellation (not covered with stop-loss). With conventional this is the other way around.
At the end of the calendar year (usually February/March), the insurer will assess whether your total absenteeism costs exceed your own retention. Only then will you receive a benefit for the excess.
Compare Stop-Loss Absence Insurance
Find out if stop-loss is the right choice for your business. Calculate your own savings!
Conventional Absenteeism Insurance 2025 | Deductible Days | SME | Finass Insures
📋 Own Risk in Days • Waiting Days • Flexible • SME
Conventional Absenteeism insurance
Conventional absenteeism insurance works with a deductible in days (waiting days). You pay the wages yourself during the deductible period, after which the insurer will reimburse the daily wage. Ideal for SMEs with up to 25 employees who want to maintain their own control.
Eand conventional absenteeism insurance (also daily allowance insurance mentioned) comes with a deductible to dawn, also waiting days named. You pay the wages yourself during the deductible period.
Once the deductible period is over, the insurer will reimburse it (capped) daily wage of your sick employee. The benefit continues up to the maximum 104 weeks (2 years) after the first day of illness.
🎯
Why Conventional?
Conventional absenteeism insurance is ideal for employers who: own direction want to keep an eye on the absenteeism policy and a Lower premium preferable to complete unburdening.
You decide the number yourself waiting days, Coverage percentage and or you Occupational health services co-insured. More flexibility, but also more own responsibility!
Deductible period
Choose Your Waiting Days
The more waiting days, the lower the premium — but the higher your risk.
10
working days
= 2 weeks deductible
Meest gekozand <10 FTE
20
working days
= 4 weeks deductible
Lower premium
30
working days
= 6 weeks deductible
Popular SME
65
working days
= 13 weeks deductible
Budget conscious
130
working days
= 26 weeks deductible
Lowest premium
260
working days
= 52 weeks deductible
2nd year only
How Does It Work
From Sick Report to Benefit
Conventional absenteeism insurance explained in 4 steps.
1
Employee Sick
Your employee reports sick. You register the first day of illness and report this to the occupational health and safety service.
2
Deductible period
You pay the wages yourself during the waiting days (e.g. 10, 30 or 130 working days).
3
Insurance Pays Out
After the waiting days, the insurer will reimburse the daily wage up to the chosen coverage percentage.
4
Up to 104 Weeks
The benefit continues as long as the employee is ill, a maximum of 2 years after the first day of illness.
To compare
Conventional vs Unburdened vs Stop-Loss
Which absenteeism insurance suits your situation?
Feature
Conventional
SME Relief
Stop Loss
Deductible type
In days (waiting days)
In days
In money (euros)
Suitable for
1-25 employees
1-25 employees
25+ employees
own direction
✓ Maximum
✗ Minimal
✓ Maximum
Case manager included
✗ Optional
✓ Always
✗ Optional
Gatekeeper Guarantee
✗ Often not
✓ Standard
✗ Often not
Premium calculation
Based on your own absenteeism
Solidarity (more stable)
Based on your own absenteeism
Premium level
1.5% - 4.0%
2.5% - 4.5%
1.0% - 2.5%
Customization
Configure your insurance
Determine the parameters of your conventional absenteeism insurance yourself.
⏱️ Deductible period (Waiting days)
How many days do you pay your own wages before the insurance pays out?
10 working days
20 working days
30 working days
65 working days
130 working days
260 working days
📊 Coverage percentage
What percentage of the salary do you want to have reimbursed? (1st year / 2nd year)
70% / 70%
85% / 70%
100% / 70%
100% / 85%
100% / 100%
💼 Co-insurance of employer's costs
Would you also like to insure holiday pay, pension and social security contributions?
Do not co-insure
+10% wage bill
+20% wage bill
+25% wage bill
👨⚕️ Occupational health services
Would you like to insure occupational health and safety services for guidance in the event of absenteeism?
Own occupational health and safety service
Via insurer (+discount)
Without occupational health and safety service (not recommended)
Advantages
Benefits of Conventional Insurance
💰
Lower premium possible
By choosing more waiting days you will save considerably on the premium.
🎯
own direction
You decide how you organize and supervise the absenteeism policy.
🔧
Flexible Choices
Choose from many options: waiting days, coverage, employer charges, occupational health and safety service.
📅
Monthly benefit
After the waiting days, you will receive a monthly benefit per day of illness.
📈
Customized premium
The premium is based on your own absenteeism figures and risk profile.
🏢
Ideal for Small SMEs
Specially suitable for companies from 1 to 25 employees.
📋
Simple Administrative
Clear benefit structure per sick day after the waiting days.
✓
Tax deductible
The premium is tax deductible as a business expense.
For whom
Is Conventional Something for You?
Conventional absenteeism insurance suits these employers.
🏪
Small SME (1-10 employees)
You have little financial buffer and want to receive benefits quickly after illness. Choose 10 waiting days for minimal risk.
10 waiting days recommended
🏢
Medium SME (10-25 employees)
You want a balance between premium and risk. With some buffer, you can consider 30 waiting days for a lower premium.
30 waiting days popular
💼
Own Management Employers
You want to remain in control in the event of absenteeism and not be completely dependent on a case manager.
Maximum flexibility
Coverage
Covered and Not Covered
Know what your conventional absenteeism insurance does and does not cover.
✓ Well covered
✓ Continued payment of wages after the deductible period
✓ Daily wage up to chosen coverage percentage
✓ Up to 104 weeks (2 years) after the first day of illness
✓ Employer's charges (optional, up to 25%)
✓ Occupational health services (optional)
✓ Reintegration costs (with some policies)
✓ Non-work related illness
✓ All employees on payroll
✓ Benefit per day of illness
✓ Monthly payout
✗ Not Covered
✗ Continued payment of wages within waiting days
✗ Illness upon entry into employment (existing)
✗ Recovered less than 4 weeks at onset
✗ Intentionally caused disease
✗ Maternity leave
✗ Directors and cooperating partners
✗ Temporary workers and self-employed people
✗ Wage sanction UWV (often not)
✗ Loss of production and loss of turnover
✗ Disability after 2 years (WIA)
Why Finass
Why Choose Us?
📋
Absenteeism Specialist
Extensive experience with conventional absenteeism insurance for SMEs.
🔍
Compare All Options
We compare conventional, carefree and stop-loss for you.
💰
Competitive Premiums
Group discount and competitive rates based on volume.
👨⚕️
7 Occupational health services
Choose from several national occupational health and safety service providers.
📊
Customized Advice
Personal advice about waiting days and coverage percentage.
📱
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.
FAQ
Frequently Asked Questions
A conventional absenteeism insurance (daily allowance insurance) works with a deductible in days (waiting days). You pay the wages yourself during the deductible period, after which the insurer will reimburse the daily wage per day of illness for up to a maximum of 2 years.
You choose from 10, 20, 30, 65, 130 or 260 working days. Companies with up to 10 employees usually choose 10 days. More waiting days = lower premium but higher risk. Choose based on your financial buffer.
The premium is between 1.5% and 4% of the wage bill, depending on industry, absenteeism, deductible period and coverage percentage. With 10 waiting days approx. 3-4%, with 130 waiting days approx. 1.5-2%.
With conventional you have more control and flexibility, the premium is often lower but more dependent on your absenteeism figures. With unburdening you will receive full guidance, a case manager and a Gatekeeper Guarantee.
Not standard, but you can optionally insure occupational health and safety services. You will often receive a discount (e.g. 2.5%) if you opt for occupational health and safety services through the insurer. An occupational health and safety contract is legally required.
Not standard with conventional insurance. Gatekeeper guarantee (reimbursement for UWV wage sanctions) is usually only included in the SME absenteeism relief insurance. Ask about the possibilities.
The benefit starts as soon as the deductible period (waiting days) has expired. With 10 waiting days, so after 2 weeks of illness. The benefit is usually paid monthly in arrears.
Ideal for SMEs with up to 25 employees who want to maintain control, want a lower premium and are prepared to implement their own absenteeism policy. Especially popular with companies up to 10 employees.
Compare Conventional Absence Insurance
Discover which waiting days and coverage best suit your company!
SME Absenteeism Care Insurance 2025 | Completely Unburdened | Finass Insures
🏆 Certified by MKB-Nederland • VNO-NCW • Association of Insurers
SME AbsenteeismCare insurance
Completely unburdened in case of absenteeism due to illness! With the SME absenteeism insurance you get a case manager who takes control from day 1, occupational health and safety services are included, and you have a Gatekeeper Guarantee. Stable premium due to solidarity principle.
The SME absenteeism relief insurance is a comprehensive absenteeism insurance especially for small and medium-sized employers. You become completely unburdened in case of absenteeism due to illness: not only financially, but also in terms of Reintegration and absenteeism guidance.
Eand Case manager takes control from the first day of illness and guides both you and your employee through the entire process. The insurance complies with the Gatekeeper Improvement Act and is certified by MKB-Nederland.
⚖️
Difference with Regular Absenteeism Insurance
With regular absenteeism insurance you only get: financial coverage and the case manager only has contact with the employer. The care insurance also includes the employee is actively supervised.
The premium is for the care insurance more stable by the principle of solidarity: your own absenteeism counts for a limited amount. Ideal for employers who want the complete control out of your hands want to give!
✨ Benefits of SME Absenteeism Insurance
Why are more and more SMEs opting for health insurance?
👤
Permanent Case Manager
One permanent point of contact who directs the entire absenteeism process. Guides both employer and employee.
🛡️
completely unburdened
Outsource all administrative tasks: Action Plan, reintegration file, term monitoring.
📊
Stable premium
Due to the principle of solidarity, your own absenteeism counts to a limited extent. No major premium fluctuations.
✅
Gatekeeper Guarantee
Wage sanction UWV reimbursed if you follow advice. No risk of continued payment of wages for the 3rd year.
💰
100% Reintegration costs
All interventions that the case manager deems necessary will be fully reimbursed.
👨⚕️
Occupational health service included
Certified occupational health and safety services with company doctor, labor expert and prevention.
⏱️
50% Shorter Absenteeism
On average, almost half the duration of absenteeism due to intensive guidance from day 1.
🔗
Connected Systems
One sick report automatically informs all parties involved. No duplication of work.
🏥
Absenteeism prevention
Prevention consultation hours, e-learning prevention officer, health examinations and training.
The Case manager: Your support and refuge
The case manager is the spider in the web of your absenteeism process. He or she is your permanent point of contact and takes charge of all steps under the Gatekeeper Improvement Act.
✓ Director of the entire reintegration process
✓ Guides both employer and employee
✓ Monitors terms and deadlines Gatekeeper
✓ Draws up an action plan and file
✓ Coordinates with company doctor and labor expert
✓ Advises on the best approach in case of absenteeism
✓ Translates company doctor advice into concrete steps
✓ Provides support with UWV objections and appeals
👤
Your Permanent Point of Contact
Contact from day 1 of reporting sick with both employer and employee. The case manager takes a lot of work off your hands so that you can focus on your business.
Solidarity principle: Stable Premium
With regular absenteeism insurance, your premium is strongly influenced by your own absenteeism figures. High absenteeism = high premium. At the SME absenteeism relief insurance this works differently.
The premium is calculated over one large group of entrepreneurs with both high and low absenteeism figures. Your own absenteeism therefore counts to a limited extent in the premium calculation.
✓ More stable premium without major fluctuations
✓ Also affordable for relatively high absenteeism
✓ More certainty about future costs
✓ Maximum weighting of own absenteeism
Premium effect of own absenteeism
Regular Insurance
High effect on premium
High absenteeism = high premium
Care insurance
Limited effect on premium
Solidarity principle
Coverage
What is All Included?
The SME absenteeism relief insurance offers extensive coverage and services.
💰
Continued payment of wages
2 years of continued salary payment, 70-100% of your choice, including employer's contributions.
👤
Case manager
Permanent case manager from day 1 who directs the entire process.
👨⚕️
Company doctor
Consultation hours, problem analysis, medical advice via certified occupational health and safety service.
👔
Labor expert
Investigate suitable work opportunities within or outside your organization.
🔄
Reintegration costs
100% reimbursement of all necessary interventions and treatments.
✅
Gatekeeper Guarantee
Reimbursement of UWV wage sanction if you follow advice.
🏥
Absenteeism prevention
Prevention consultation hours, health examinations, training.
⚖️
Legal Support
Assistance with objections, UWV appeals and transition compensation.
🛡️
Gatekeeper Guarantee: No Wage Sanction Risk
The SME absenteeism relief insurance is 'Gatekeeper-proof'. The case manager ensures that you comply with all obligations under the Gatekeeper Improvement Act. Will you still receive a wage sanction from UWV? Then the insurer will reimburse this!
1
Casemanager bewaakt alle termijnen en stappen Gatekeeper
2
You follow the advice of the case manager and the occupational health and safety service
3
Toch wage penalty? Verzekeraar vergoedt het extra jaar!
Comparison
Ontzorg vs. Regular Absenteeism Insurance
Wat zijn de belangrijkste verschilland?
Feature
SME Absence-Relief
Regular Absenteeism Insurance
Continued wage payment for 2 years
✓ Yes
✓ Yes
Case manager from day 1
✓ Yes, permanent case manager
⚬ Optional/alleen werkgever
Begeleiding werknemer
✓ Yes, actief
✗ No
Occupational health service included
✓ Yes, certified
⚬ Optional, apart
Reintegration costs 100%
✓ Yes
⚬ Theels/beperkt
Gatekeeper Guarantee
✓ Yes
⚬ Sometimes optional
Stable premium (solidarity)
✓ Yes
✗ No, your own absenteeism counts heavily
Absenteeism prevention
✓ Yes, included
⚬ Optional
Plan of Action drawn up
✓ Door Case manager
✗ Do it yourself
Quality mark SME-Netherlands
✓ Certified
✗ No
Coverage
Covered and Not Covered
✓ Well covered
✓ Continued wage payment for 2 years (70-100%)
✓ Employer's charges also insured
✓ Case manager from day 1
✓ Complete occupational health and safety services
✓ 100% Reintegration costs
✓ All interventions company doctor
✓ Gatekeeper Guarantee (loonsanctie)
✓ Employee death benefit
✓ All employees on payroll
✓ Temporary contracts
✗ Not Covered
✗ Sick upon joining
✗ Korter dan 4 weeks hersteld
✗ Sick at the start of insurance
✗ Intentionally caused disease
✗ Maternity/maternity leave
✗ na 2 jaar (WIA-fase)
✗ DGAs and directors
✗ Uitzanddkrachtand/zzp'ers
✗ Wage above maximum daily wage
✗ Prodyouctie-/omzetverlies
Why Finass
Why Choose Us?
🛡️
Ontzorg Specialist
Extensive experience with SME absenteeism relief insurance.
🏆
Certified Products
Alleen verzekeringen met Quality mark SME-Netherlands.
👤
Ervaren Case managers
Collaboration with top occupational health and safety service providers.
📊
50% Shorter Absenteeism
Bewezand kortere verzuimduur door intandsieve begeleiding.
💰
Collective discount
Up to 10% discount for multiple insurance policies.
📱
Online Portal
Eandvoudig ziek-/betermeldand and dossier inziand.
✓
100% Independent
Wij To compare alle ontzorgverzekeraars.
🎓
50+ Years of Expertise
More than 50 years of experience in business insurance.
FAQ
Frequently Asked Questions
Comprehensive absenteeism insurance that provides you with complete peace of mind: case manager from day 1, occupational health and safety service included, Gatekeeper Guarantee and stable premium. Certified by MKB-Nederland, VNO-NCW and Association of Insurers.
The case manager is your permanent point of contact and 'director' of the absenteeism process. He/she guides you and your employee, monitors deadlines, draws up an Action Plan, coordinates with the company doctor and ensures that you comply with the Gatekeeper Improvement Act.
The premium is calculated over a large group of entrepreneurs with both high and low absenteeism figures. Your own absenteeism counts to a limited extent, so you pay a more stable premium without major fluctuations in case of high absenteeism.
Do you follow all the advice of the case manager and the occupational health and safety service, and do you still receive a wage sanction from UWV? The insurer will then reimburse this extra continued payment of wages (maximum 1 year extra). This way you do not run the risk of continued payment of wages for 3 years.
The premium is between 2.5% and 4.5% of the wage bill, depending on industry, workforce and selected coverage. This is higher than regular absenteeism insurance, but you get much more service.
Ideal for SME employers who want to outsource complete control, receive maximum guidance and do not have the capacity or expertise to carry out absenteeism tasks independently.
Yes, all interventions that the case manager deems necessary for reintegration will be reimbursed up to 100%. This includes treatments, training, adjustments and guidance prescribed by a company doctor or case manager.
The insurance usually has a minimum contract duration of 3 years. Thereafter, renewal per year with daily cancellation option and 1 month notice period.
completely unburdened bij Ziekteverzuim
Compare SME absenteeism insurance now and hand over control to experts!
Absenteeism insurance 2025 | SME | Continued payment of wages in the event of illness | Finass Insures
👥 Continued payment of wages • Re-integratie • Arbodienst • Poortwachter
Absenteeism insurance voor Werkgevers
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.
Eand Absenteeism insurance (ook wel ziekteAbsenteeism insurance genoemd) dekt de kosten van continued payment of wages in the event of illness van uw werknemers. U bent als werkgever wettelijk Obliged minimaal 70% for 2 years van het loon door te betaland.
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!
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What Cost Verzyouim?
A sick employee costs on average €360-€400 per dag. These are not only labor costs, but also vervangingskostand, Reintegration costs and prodyouctieverlies.
Long-term absenteeism is a problem, especially for SMEs groot financieel risico. Long-term absenteeism is increasingly leading to: faillissemandtand with uninsured employers!
Gatekeeper Improvement Act
Obligations in the event of Illness
Als werkgever moet u deze stappen volgen. Niet-naleving kan leiden tot een wage penalty!
Week 1
Ziekmelding bij arbodiandst
Report the illness to your occupational health and safety service or company doctor within one week. Register the first day of illness.
Week 6
Problem analysis by company doctor
De Company doctor stelt een probleemanalyse op met beperkingen, herstelmogelijkheden en werkhervattingsprognose.
Week 8
Plan van Aanpak opstelland
The employer and employee together draw up an Action Plan with concrete agreements about reintegration.
Week 42
Report illness to UWV
Meld langdurige ziekte bij UWV. Dit is Obliged voor de verdere WIA-procedure.
Week 52
Eerstejaarsevalyouatie
Evaluate the reintegration and determine whether Track 2 (work for another employer) is necessary.
Week 91
Final evaluation & WIA application
Stel het Reintegrationverslag op. Werknemer vraagt WIA-uitkering aan bij UWV.
🛡️ What does absenteeism insurance cover?
Uitgebreide Coverage voor alle gevolgen van ziekteverzuim.
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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%.
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Employer charges
Meeverzekeren van Employer charges zoals vakantiegeld, pensioen, sociale premies. Tot 25% extra.
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Reintegration costs
Costs for reintegration, interventions and adjustments to allow the employee to return.
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Company doctor
Toegang tot Company doctor voor spreekuren, probleemanalyse en medisch advies.
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Case manager
Personal case manager who manages the absence file and guides you.
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Gatekeeper Guarantee
Reimbursement of any wage penalty if you follow the insurer's advice.
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Absenteeism prevention
Preventieve diensten zoals gezondheidsCheck, vitaliteitsprogramma's en PMO.
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Verzyouimregistratie
Online portal for sick and recovery reports, file building and reports.
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Legal Support
Hulp bij arbeidsrechtelijke vragand, deskundigandoordeel UWV and conflictand.
Packages
Typen Absenteeism insurance
Choose the package that suits your needs: from basic to completely carefree.
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Conventional
Premium: 1,5% - 3,5% loonsom
✓ Continued payment of wages after the deductible period
Bepaal zelf de belangrijkste parameters van uw Insurance.
⏱️ Deductible period
10 working days
2 wekand
4 weeks
6 wekand
13 weeks
26 wekand
52 weeks
📊 Coverage percentage
70/70%
85/70%
100/70%
100/85%
100/100%
💼 Employer charges
Do not co-insure
+10% wage bill
+20% wage bill
+25% wage bill
📅 Contract duration
1 Yesar
3 years (5% discount)
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Beware: UWV wage sanction!
Als UWV oordeelt dat u onvoldoende heeft gedaan aan Reintegration, kan het UWV een wage penalty opleggand. Dit betekandt dat u het loon van uw zieke werknemer 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 niet tijdig ingeschakeld
⚠️ Track 2 not started or started too late
⚠️ Onvolledig Reintegrationdossier
Solution: Absenteeism insurance with Gatekeeper Guarantee will reimburse any wage penalty if you follow the case manager's advice!
Occupational health services
Who can help you with absenteeism?
A contract with an occupational health and safety service is legally required. Often included in your absenteeism insurance.
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Company doctor
Medische beoordeling, probleemanalyse, spreekurand and adviezand over belastbaarheid.
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Case manager
Manages the absenteeism file, monitors deadlines and guides you with obligations.
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Labor expert
Investigates opportunities for suitable work within or outside your organization.
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Psycholoog/Coach
Guidance for psychological complaints, burnout, stress and work-related problems.
Coverage
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 services (bij ontzorg)
✓ Company doctor and case manager
✓ Gatekeeper Guarantee (loonsanctie)
✓ Non-work related illness
✓ All employees on payroll
✓ Absenteeism prevention (with some policies)
✓ Legal Support
✗ Not Covered
✗ Ziekte bij indiandsttreding (bestaande ziekte)
✗ Recovered less than 4 weeks at onset
✗ Loondoorbetaling binnen Deductible period
✗ Intentionally caused disease
✗ Ziekte door oorlog or molest
✗ 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 Finass
Why Choose Us?
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Absenteeism Specialist
Ruime ervaring met Absenteeism insuranceen voor MKB-werkgevers.
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Gatekeeper Guarantee
Reimbursement of wage sanction if you follow the advice.
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7 Occupational health services
Choose from several national occupational health and safety service providers.
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50% Shorter Absenteeism
On average, almost half the duration of absence with care insurance.
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Collective discount
Profiteer van collectieve inkoopAdvantages.
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Online Portal
Easily report illness and recovery via app or portal.
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100% Independent
We compare all absenteeism insurers for the best deal.
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50+ Years of Expertise
More than 50 years of experience in business insurance.
FAQ
Frequently Asked Questions
U bent wettelijk verplicht 2 jaar lang minimaal 70% van het loon door te betalen. In veel cao's is dit hoger: vaak 100% in jaar 1 en 70-90% in jaar 2. Bij onvoldoende Reintegration kan UWV een loonsanctie opleggen van maximaal 1 extra jaar.
De premie ligt tussen 1,5% en 5,5% van de totale loonsom, afhankelijk van branche, verzuimpercentage, eigenrisicoperiode en Coverage percentage. Gemiddeld €220-€315 per medewerker per jaar.
Een speciale variant waarbij u volledig wordt ontzorgd: loondoorbetaling, casemanager, re-integratie én Gatekeeper Guarantee. De premie is stabieler door het solidariteitsbeginsel (verzuim telt minder mee).
Deze wet (sinds 2002) verplicht werkgever en werknemer samen te werken aan re-integratie. Bij niet-naleving kan UWV een loonsanctie opleggen: tot 1 jaar extra Continued payment of wages (3 jaar in totaal).
Nee, een Absenteeism insurance is niet wettelijk verplicht. Wel bent u verplicht een basiscontract met een arbodienst te hebben. Zonder verzekering draagt u zelf het volledige financiële risico van ziekteverzuim.
Dit is de periode waarin u zelf het loon doorbetaalt voordat de Insurance uitkeert. Keuze van 10 werkdagen tot 52 weken. Kortere periode = hogere premie, maar minder eigen risico.
If you follow the advice of the case manager/insurer and UWV still imposes a wage sanction, the insurer will reimburse this additional continued payment of wages. This way you are protected against unexpected costs.
Optioneel kunt u Co-insurance of employer's costs (vakantiegeld, pensioen, sociale premies). Dit is circa 20-25% bovenop het brutoloon. Check uw polis of vraag een aanpassing aan.
Protect Your Business Against Absenteeism Costs
Vergelijk nu verzuimverzekeringen en krijg hulp bij ziekteverzuim én de Gatekeeper Improvement Act!
