Continued payment of wages
- First year one hundred per cent
- Second year seventy per cent
- A collective labour agreement may require more
Sickness absence insurance (verzuimverzekering) for educational institutions
An educational institution insures wages, but the pinch point is qualification: a class can only be taken over by someone qualified to do so.
- 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
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
- 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
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.
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We compare your sickness absence 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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What does sickness absence insurance cover for educational institutions?
The structure of the cover in three parts, with an overview per situation below.
Own retention
How many days you bear yourself.
- Shorter is more expensive
- Longer brings the premium down
- Choose according to what you can bear
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.
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 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.
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.
Frequently asked questions
This is what people ask us most.
Does the policy cover the costs of a stand-in?
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.
Every situation is different. For these situations we have a separate page.
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Read more
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.