Calculate absenteeism insurance
Request an offer for absence insurance directly!
Are you considering taking out absenteeism insurance? With an absenteeism insurance, you are covered for the financial risks of absenteeism, i.e. sick employees. Sick employees bring a lot of costs with them. As an employer, you do not only have to continue paying wages for the first two years, but you may also have to deal with loss of turnover, costs for replacement personnel and reintegration costs. Unfortunately, absenteeism due to illness is difficult to deal with and always remains a risk. Therefore, it is wise to insure your company well.
You can calculate the premium for most policies directly online. However, taking out absenteeism insurance is customized, because the premium is different for each organization. That is why you can request a quote without any obligation at Alpina.nl . This way, calculating the premium is taken out of your hands.
How is the premium of an absence insurance calculated?
To calculate the premium, an insurer uses a premium percentage. The premium for an absence insurance can be calculated by multiplying this premium percentage with the total wage costs. On average, the premium is between 1.5% and 5.5% of the total wage costs. The amount of the premium percentage depends on various factors.
Which factors influence the premium of an absence insurance?
The amount of the premium rate depends on various factors:
- The composition of your staff (age, number of part-timers, etc.)
- The sector or industry in which you work
- The absence figures of the last 3 years
Sick employee costs
Many people do not know how much a sick employee costs. Research has shown that a sick employee costs one and a half times more than most organisations think. When your employee is sick, you have to deal with different cost items. The biggest cost is the continued payment of wages. As an employer, you are obliged to continue paying your employee's salary for two years in the event of illness. This is also referred to as the wage payment obligation. Legally, an employee receives at least 70% of his/her gross salary. If your company has signed a CAO, this may differ. Many CLA's stipulate that the sick employee receives 100% of the gross salary in thefirst year and 70% in thesecond year.
In addition to the obligation to pay wages, you will be faced with a number of other costs, such as costs for absence counselling, replacement staff, costs because you may lose sales and costs when the employee is reintegrated. The Central Planning Bureau has made an example of the costs per day for a sick employee. This is based on an average annual income in the Netherlands of €36,500.
| Cost per day | |
|---|---|
| Continued payment of wages | €153 |
| Cost of replacement staff | €146 |
| Production loss | €43 |
| Occupational health and safety service costs | €60 |
| Leave of absence | €7,50 |
| Total cost | €410 per day |
Request a quote directly through Alpina!
With our online tool, you can request a quotation for absence insurance in a few minutes. All we need is a few details about your company. The quote will contain an overview of the different insurances. This way, you can easily and quickly compare the premium for absence insurance. The quote will also explain which cover you can count on.
Do you have any questions during or after the calculation? Then please do not hesitate to contact us! Our insurance specialists will be happy to think along with you and answer all your questions. You can reach us Monday through Friday from 08:00 to 18:00 by phone at 0800 - 688 37 12. Of course, you can also send us a message via chat, WhatsApp or Messenger.
Made possible by klantenvertellen.nl
Based on 3343 reviews
How does Alpina work?
As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.
Money back guarantee! (14 days)
Your insurance enquiry will be assessed quickly, 24 hours a day, 7 days a week. You can then immediately take to the road with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.
Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).
Request an offer for absence insurance directly!
We can be reached via Chat, Whatsapp, phone or email
Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.