You are incapacitated for work if you can no longer work. Did you know that the chance of incapacity for work during your working life is as much as 35%? This can be due to illness or an accident, also outside your work, such as during sports. You can therefore become incapacitated for work for a short or longer period. If you are not socially insured and earn more than € 3,000 gross in 3 months, we oblige you to make an AOV provision.
At Avéro Achmea you can insure yourself against occupational disability. You are then not insured for unemployment, but you will pay the health insurance act at 5.45% (2020). This insurance or coverage via the UWV is mandatory for a turnover of 1000 euros per month. The cover is tailor-made by Avéro Achmea. You always insure 70% of your average turnover, a fixed percentage is withheld from your gross income and you never pay too much. To make it easy, we have three variants, so you can choose what suits you best.
You can easily request the AOV from Achmea on your account under benefits. You send your appeal and pass on your coverage choice to ABN Amro insurance. You are then immediately insured by means of provisional cover. You will then receive a request from Avero Achmea to complete the health declaration. You can easily fill in the health declaration digitally. Usually this is sufficient, sometimes specific additional questions are asked afterwards. We will be informed within one working day about your coverage choice and the premium that we must deduct from your income.
|Option 1 Maximum security||Periodic payment in the event of incapacity for work up to the age of 68, taking into account a deductible period of 2 months.|
|Option 2 Security in the event of long-term incapacity for work||A periodic payment in the event of incapacity for work up to the age of 68, taking into account a deductible period of 2 years.|
|Option 3 Limited assurance||A periodic payment in the event of incapacity for work up to a maximum of 5 years from the onset of the incapacity for work, taking into account a deductible period of 2 months.|
We think it is important that you are properly advised about incapacity for work. We are not allowed to give this advice, this is not legally permitted. We have arranged the advice in collaboration with ABN Amro Insurance as a mediator. If you need help choosing the cover, if you have any questions about the policy conditions or the application process, do not hesitate to contact ABN Amro Insurance, they will be happy to help you. You can email them via [email protected] or call them on 038 - 496 84 33 (option 2).
In the calculator above you can easily calculate what your gross premium will be. Thanks to our unique collaboration, you pay no closing costs and the premium starts at only 1.7% gross.