Absenteeism insurance: frequently asked questions

  • Protection against high costs due to long-term absenteeism
  • Professional support with reintegration and laws and regulations
  • Lower premiums possible through good absenteeism policy
  • More peace and focus on your daily business operations
Our insurance advisor ensures a policy that is realistic and suitable for your company.
  • The premium depends heavily on the industry, absenteeism history, and preventive measures taken.
  • Choose a suitable waiting period and deductible amount
  • Good absenteeism policy and prevention can significantly reduce premiums.
  • Optionally combine with disability insurance for the entrepreneur themselves.
No, but for employees with an obligation to continue paying wages, it is highly advisable.

Often 70% to 100%, depending on the chosen coverage.

Usually up to 2 years (up to the WGA period).

Yes, often up to a certain maximum amount.

Yes, through prevention, deductibles, and a good absenteeism policy.

No, maternity leave and childbirth leave are not covered by absenteeism insurance.