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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Where other employers can push things back a day, when someone reports sick at seven in the morning you have to have a qualified stand-in with the group within the hour. If you cannot manage that, you have to call parents to cancel or merge groups, with an inspection by the municipal health service to follow.
That makes the core limitation of a sickness absence insurance (verzuimverzekering) all the sharper here: the policy covers the wages of the sick employee, not the stand-in. In that situation you therefore pay wages twice and are compensated for one, minus the waiting period and your own share.
Also, part of the absence in this sector is pregnancy-related. A separate route through the UWV applies to that, not your policy.
What does sickness absence insurance cover for childcare?
The structure of the cover in three parts, with an overview per situation below.
Two years
Continued payment of wages
What you are legally required to continue paying.
First year one hundred per cent
Second year seventy per cent
A collective labour agreement may require more
The waiting period
Own retention
How many days you bear yourself.
Shorter is more expensive
Longer brings the premium down
Choose according to what you can bear
Optional
Support and case handling
Guidance with reintegration.
Case management
Gatekeeper Act monitoring
Risk of a wage sanction
What is covered
Situation
Conventional
Full-service option
Continued payment of wages during sickness
Yes
Yes
Guidance with reintegration
No
Yes
Risk of a wage sanction borne by the insurer
No
Yes
Occupational health services included
No
Sometimes
Cost of replacing a member of staff who is off sick
No
No
Sickness absence that already existed at inception
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The stand-in comes on top of the insured wages
The staff-to-child ratio determines how many staff must be with each age group. If someone is off work, using a stand-in is not a choice but an obligation. Those costs are not covered and, when staff are scarce, are higher than the regular wage. Work that item through separately in your budget and ask whether the insurer offers an additional replacement allowance.
A stand-in must also pass the screening
Everyone who works at a location on a structural basis needs a certificate of good conduct and must be linked in the childcare personnel register. That is not something you arrange on the morning of a sickness report. So build up a pool of screened stand-ins in advance, or make an arrangement with an agency that supplies linked staff. The insurance does not solve this organisational problem.
Illness due to pregnancy runs through the UWV
If a childcare worker becomes ill as a result of pregnancy or childbirth, you can apply to the UWV for a Sickness Benefits Act payment. In that case your absence insurer covers at most the difference between that payment and the wages you continue to pay. The pregnancy and maternity leave itself is not an illness and falls entirely outside the policy. The WAZO benefit applies to that.
What falls outside the cover
Excluded are: the costs of stand-ins and employment agencies, lost parental contributions where a group has to close, and absence that already existed on the start date. Forms of leave such as parental leave and emergency leave give no entitlement to a payment. A fine or enforcement measure after an inspection by the municipal health service does not fall under this insurance either. That is not a loss from continued payment of wages. If you only report a case of illness weeks later, the insurer may reduce the payment under Article 7:941 of the Dutch Civil Code limit.
What does your premium depend on?
Wage bill of the childcare staff. The insured annual wage bill forms the basis; support roles are declared separately.
Number of employees and locations. With several sites, absence is easier to absorb than with one group, and that is taken into account.
Share of part-time contracts. Many small contracts means many cases with a relatively limited wage bill per case.
Sickness absence record. Insurers look both at the frequency of reports and at the average duration per case.
Waiting period chosen. In a sector with a lot of short-term absence caused by infections, the waiting period determines a large part of your own burden.
Percentage of cover and collective agreement top-up. If you top up the second year of illness above the statutory minimum, that must be covered.
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.
Does the policy cover the stand-in I have to bring in?
No. The insurance covers only the wages you continue to pay the sick employee. The stand-in you need in order to meet the staff-to-child ratio is paid on top of that. Some insurers offer an additional replacement allowance; ask about it explicitly, because it is not included as standard.
What applies to illness caused by pregnancy?
For incapacity for work resulting from pregnancy or childbirth, you can apply to the UWV for a Sickness Benefits Act payment. That payment takes precedence over the sickness absence insurance. Your insurer covers at most the difference with the wages you continue to pay. Have the company doctor record the link with the pregnancy, otherwise the application to the UWV will be refused.
Does maternity leave count as absence?
No. Pregnancy and maternity leave is not an illness. During that leave you receive a benefit under the Work and Care Act through the UWV. The sickness absence insurance pays nothing for it, not even for the period in which you top up the benefit to full wages under your collective labour agreement.
Are interns and stand-ins covered?
Only employees on your own payroll with an obligation to continue paying wages during illness are insured. A stand-in through an employment agency falls outside that, because they are on the agency's payroll. An intern with only an internship allowance is usually not covered either. State exactly who is employed by you at the start.
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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