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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 your own premium with the calculator.
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
Education differs from almost every other sector in that the replacement must meet statutory competence requirements . A maths teacher who is off work cannot be replaced by a caretaker or an agency worker. Where staff are scarce, absence means cancelled lessons, and cancelled lessons affect your teaching hours and your accountability.
For the insurance that means two things. First, the policy covers the wages you continue to pay the sick employee and not the stand-in, while you do have to pay that stand-in. Second, whether a private policy makes sense depends on your sector and on whether you belong to a sector-wide replacement scheme.
The causes of absence themselves are mostly workload-related, with voice strain and incidents in the classroom as a recurring second category.
What does sickness absence insurance cover for educational institutions?
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.
Qualification requirements make replacement scarce
When a teacher falls ill you are not simply looking for an extra pair of hands, but for someone qualified or appointable for that subject and that year group. In shortage subjects there often is no one, so you merge classes or cancel lessons. The sickness absence insurance changes nothing about that: it covers wages, not a timetabling problem. So build up your own pool of stand-ins or join a regional replacement pool.
Membership of a sector replacement scheme
School boards in primary education may belong to a sector-wide replacement scheme or may instead bear their own risk for replacement costs. That choice determines whether a private sickness absence insurance is a useful addition or largely duplication. Have it established first what part of your wage and replacement risk is already covered elsewhere before you apply for a policy; otherwise you pay a premium for a risk you do not run.
Reintegration runs through teaching duties, not through hours
Building up in education does not simply mean working more hours, but redistributing tasks: fewer teaching hours, but marking or mentoring. That has to be recorded in the plan of action, because the UWV assesses whether you have followed the Wet verbetering poortwachter (the Dutch Gatekeeper Improvement Act) . Adapted teaching duties agreed only verbally do not count in that assessment and can lead to a wage sanction.
What falls outside the cover
Not covered are: the costs of a stand-in or a replacement pool, absence already running on the start date, and staff who work through payrolling or an employment agency and are therefore not on your payroll. Absence without medical limitations, for instance after a conflict about the division of duties, gives no entitlement to a payment. Damage to property after an incident with a pupil does not fall under this policy either.
What does your premium depend on?
Wage bill of teaching and support staff — You declare both groups separately; the risk profile differs per category of role.
Membership of a sector replacement scheme — What is already covered elsewhere does not need to be insured again and limits the part to be insured.
Absence history per location — With several schools under one board, insurers often assess the figures per site.
Age structure of the teaching staff — An older staff body has fewer reports but longer recovery times per case.
Waiting period chosen — Determines how many sick days per teacher you bear yourself before the payment starts.
Percentage of cover and collective agreement top-up — Education collective labour agreements include top-ups above the statutory minimum; insure the full definition of wages.
Insurers weigh these details differently. That is why comparing pays off.
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.
No. The insurance covers the wages of the sick teacher, not the stand-in you hire to keep the lessons running. Where shortage subjects are concerned, those hiring costs are in fact higher than the regular salary. Budget that item separately in your staffing plan and ask whether an additional replacement allowance is available.
Do I need a private sickness absence insurance if I belong to a replacement scheme?
That depends on what that scheme covers exactly. If your replacement risk is already arranged collectively, a private policy may insure the same risk twice. First have it mapped out what part of the wage and replacement risk remains with you and insure only that part. That prevents overlapping cover and a double premium.
Is absence after an incident with a pupil covered?
The wages you continue to pay are simply covered, because the cause of the incapacity for work is irrelevant. What is not included is damage to property, the cost of security or compensation to the employee. For injury for which you are liable as an employer, Article 7:658 of the Dutch Civil Code applies and therefore your liability insurance.
What does reintegration look like in education?
Usually through adapting teaching duties: fewer hours in front of the class, but mentoring, marking or support work. Record those arrangements in writing in the plan of action and evaluate them at the prescribed moments. After two years the UWV assesses whether you have done enough; missing records lead to an extension of your obligation to continue paying wages.
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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