As an employee, do I need disability insurance?
A salaried employee usually pays social security contributions through salary. Therefore, if they become disabled, they are entitled to benefits. For ZZP' ers and entrepreneurs, this works a little differently. They are obviously not employees and are therefore responsible for taking out the necessary insurance themselves. As an entrepreneur, if you want to be assured of an income at the moment when you can no longer work due to illness or accident, you need to take out AOV insurance.
What does disability insurance for employees cost?
The cost of AOV insurance depends on a number of factors, namely:
- Profession
- Age
- The amount of money you insure
- The own risk
- The duration of the benefit
Your age and occupation, of course, are beyond your control. An insurer particularly looks at your occupation to assess how risky it is. Do you work with dangerous machinery or perform a lot of heavy physical labor? Then your profession is riskier than, say, an office job. By this we mean that the risk of an accident is greater. As a construction worker you therefore pay more premium for an AOV insurance than an accountant or consultant, because the risk for the insurer is higher. Furthermore, you can compose your AOV insurance as you wish. You choose the amount of the insured amount, the deductible and the duration of the benefit. These factors all affect the amount of the premium.
Why should I as an employee take out an AOV insurance?
For a salaried employee, disability is automatically insured. As a ZZP'er you are not required to take out disability insurance. Nevertheless, it is wise. Many entrepreneurs underestimate the chance of becoming disabled. This does not necessarily have to happen at work, but can also happen in your spare time. A nasty fall with the bike or a skin accident. In addition, of course, anyone can fall ill unexpectedly. If you can't work for a long time, it takes a big bite out of your savings. At that moment you have no income, while the fixed costs continue to rise. With an AOV insurance you are assured of an income when you can no longer work.
Take out disability insurance directly through Alpina
At Alpina.nl you can directly request a quote for AOV insurance. Based on your personal data, we can make an accurate quote. You can then compare the offers yourself to find the best AOV insurance. Do you have any questions about AOV insurance or about requesting a quote? Then please contact us! We can be reached by phone from Monday to Friday from 08.00 to 18.00 on 088 - 688 3712.
Request an offer for an AOV insurance directly!
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