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Insurers are still receiving questions from customers, media and other parties about the coronavirus. We list the most important questions about this. Is your corona-related insurance question not listed?

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Last updated: July 28, 2021 

Travel/Holiday

Vaccinations and corona QR code

I have extra travel and accommodation costs, because I have to stay abroad longer due to a quarantine obligation. Am I insured for this through my travel insurance?

Travel insurers deal with this differently. There are travel insurers that reimburse a longer stay due to an unexpected quarantine obligation. View the frequently asked questions from your travel insurer or be informed by your own insurer.

Due to the emergence of new virus variants, I have to stay abroad longer. Am I insured for this?

Travel insurers deal with this differently. View the frequently asked questions from your travel insurer or be informed by your own insurer.

The country I am going to is drawing up new rules regarding vaccination. As a result, I can't make my trip. Will I get a refund from my cancellation insurance?

In most cases, measures that countries draw up are not covered by the cancellation insurance. View the frequently asked questions or contact your own travel insurer.

What does a country's travel advice mean for your travel insurance?

The travel advice of the Ministry of Foreign Affairs is leading for travel insurers. If the travel advice is green or yellow, you are also insured for corona-related damages. If the travel advice is orange or red, then you are usually not insured for corona-related damages (if the color code red or orange has to do with, for example, a natural disaster or war, then this is separate from corona). The Ministry of Foreign Affairs weighs up the risk in each country by means of the colour coding in the travel advice. Read here how a travel advice is made. View the frequently asked questions from your travel insurer or contact us to check whether you are insured for corona-related damages in areas with an orange or red travel advice.

I have been vaccinated. Am I insured in all countries, regardless of the colour of the travel advice?

That depends on the travel advice. If the travel advice is green or yellow, you are insured according to the policy conditions. If the travel advice is orange or red, there are usually restrictions on the coverage for (corona-related) damages.

I do not receive a corona QR code or Digital COVID Certificate. Is this similar to not getting a visa?

The corona QR code or the Digital COVID Certificate (DCC) is not comparable to a visa. A visa gives you access to a specific country for which you have applied for, a DCC can ask a country as a supplement to check whether you are not carrying the coronavirus. Not obtaining a DCC is not subject to the same conditions as not obtaining a visa. If you have any questions, please contact your insurance advisor or insurer.

Where can I find information about the measures in force in the country I am travelling to?

You can find them on wijsopreis.nl, of the Ministry of Foreign Affairs. If you have any additional questions, please contact your travel insurer. If you have booked a package holiday, please contact your travel organization.

Back on holiday

I have extra travel and accommodation costs, because I have to stay abroad longer due to a quarantine obligation. Am I insured for this through my travel insurance?

Travel insurers deal with this differently. There are travel insurers that reimburse longer stays for unexpected quarantine. Take a look at the frequently asked questions from your travel insurer and get informed.

I'm not sure if my journey will continue. Can I cancel my trip?

You always have the right to cancel the trip, but if you cancel the trip yourself, you are obliged to pay the travel sum that you owe at that time. You will then not receive a refund and if you already owe a residual travel sum, you will also remain obliged to pay it. 
The costs remain at your own expense. Usually there is no coverage on the cancellation insurance if you cancel yourself, because you prefer not to make the trip anymore.

The tour operator says that the trip will continue, but I would rather not go there anymore. Can I cancel my trip?

If the tour operator can carry out the trip, he has fulfilled his delivery obligation. You can of course cancel yourself, but you are then obliged to comply with your contractual obligations. 
The costs remain at your own expense. Usually there is no coverage on the cancellation insurance if you cancel yourself, because you prefer not to make the trip anymore.

The tour operator says that the trip will continue as usual, but due to the corona measures, the trip will look very different than planned. Do I have the right to cancel the trip?

If you cancel yourself, you forfeit the right to have the discussion about whether or not you can carry out the trip. The travel organization does not have to compensate you. You can only discuss an agreement that still exists. If you can't work it out with the travel organization, you can contact the Travel Disputes Committee.

Please note that it will be assessed whether the travel organization is acting reasonably given the circumstances and that the travel agreement only entails obligations with regard to the booked parts, such as transport and accommodation. The fact that public life looks different is not a reason to question the delivery of the trip. With regard to adjustments to your transport or stay, it will also be assessed whether you can reasonably be expected to accept these adjustments.
The travel insurance does not cover contractual disputes with travel companies. Your family law assistance insurance may offer coverage for disputes about the travel agreement.

I only booked a stay. I don't know if I can get to my destination. Can I cancel my trip?

You always have the right to cancel the trip. If the stay can be delivered, however, the tour operator is not obliged to give you your money back. 
Whether your cancellation insurance offers coverage depends on the insurer and the situation. Check the frequently asked questions on the website of your insurer.

I am on holiday in Europe and I want to go home because of a new corona outbreak. The travel advice of the Ministry of Foreign Affairs has been changed from yellow to orange. Can I recover the costs of my return trip from my cancellation insurance?

These costs are usually not reimbursed by cancellation insurance. Not even if the travel advice has been changed to orange. You will therefore have to ensure that you return to the Netherlands as soon as possible. This is also the advice of the Dutch government. Check the website of the Ministry of Foreign Affairs for the most up-to-date information about the area you are going to.

I have a holiday planned in Europe, I have not left yet and the travel advice of the Ministry of Foreign Affairs changes from yellow to orange. Am I insured?

If you have not yet left and the travel advice changes to orange, you are sometimes not insured if you still choose to travel. Check this with your own travel insurer. The word 'unforeseen' is important here. When you travel to a destination that has orange as travel advice, the risks you take are no longer unforeseen. It may be that there is no coverage for corona-related damages. It differs per travel insurer whether the other risks are covered. View the frequently asked questions on the website of your insurer. Usually the travel companies or airlines cancel the trip and offer an alternative.

I am currently on holiday in Europe and the travel advice of my destination is changing from yellow to orange. Am I insured?

Yes, you are insured, but the insurer expects you to leave the area as soon as possible. Contact the travel organization or emergency center for help. If you do not take action, you run the risk that you are no longer insured for corona-related damages. Therefore, always contact your travel insurer if you believe that you cannot leave the area in a safe way.

I have to leave my car/caravan/camper. Are the costs of storage and retrieval also reimbursed?

No, unfortunately. In principle, these costs are for your own account and are not reimbursed.

What is the difference for travel insurers between a negative travel advice due to rising infections or a negative travel advice due to quarantine obligation there?

When you leave for a country with negative travel advice due to rising infections, there are sometimes restrictions on coverage. In any case, you are not insured with most travel insurers on your travel insurance for claims that have to do with corona.
In the event of a negative travel advice due to quarantine obligation, it is advisable to contact your travel insurer and let them inform you.

Corona tests

I have tested positive for the coronavirus and therefore cannot travel in the short term. Can I claim my cancellation insurance?

Contact your travel insurer. If you have a cancellation insurance, you are usually insured for this.

I am at an airport and I have to take a corona test in one of the commercial test facilities. Am I insured for this through my travel insurance?

Usually you are not covered for preventive costs such as a corona test at a commercial test facility. The obligation to test for the coronavirus is a 'government measure'. This is not an insured event. These costs are not reimbursed. For a test carried out by the GGD you pay nothing. This is paid from the Public Health Budget of the Dutch government. If you need a so-called non-COVID-19 statement, you cannot contact the GGD. They do not issue this statement.

For my destination, I am only allowed to enter the area if I get tested for corona. Will I be reimbursed for the costs for this test on my travel insurance?

Being tested for the coronavirus is a 'measure of a foreign government'. This is usually not reimbursed by the travel insurer.

I am in an area with a negative travel advice

What happens to my travel insurance now that I have to stay longer due to force majeure?

Then your travel insurance will remain valid until the first possible moment that you can return home. Insurers who have not arranged this as standard in the conditions, offer this coverage out of leniency. The coverage expires if you stay longer than the next return option.

I still travel to an area for which a negative travel advice applies. What does this mean for my travel insurance?

Will you soon be travelling to a destination for which a negative travel advice already applies? We strongly advise against this, given the advice of the government. It differs per travel insurer whether you are insured on your travel insurance for claims related to corona. Any help from the alarm center can be prevented. This may be due, for example, to local authorities imposing additional requirements that make assistance more difficult, but also due to limited medical capacity on site.

First check the website of your travel insurer and view the website of the Ministry of Foreign Affairs. Here you will find the most up-to-date information about the area you are going to. Also keep in touch with your travel organization, tour operator or transport company about any changes to your trip.

 

I have taken out short-term travel insurance with world coverage for a trip for the upcoming summer. Can I cancel the short-term travel insurance and get a premium back, now that I know that I will no longer travel this year?

You can cancel your short-term travel insurance and claim your premium back for an upcoming trip. If you have a short-term travel insurance with a cancellation insurance, you will only receive a premium back for your short-term travel insurance and for the cancellation insurance.

Business travel

I have business travel insurance. I want to travel to a destination where the travel advice is orange. You can only travel there if the trip is necessary. What is necessary travel?

The definition of necessary travel is difficult to determine in general terms. According to the definition of the Ministry of Foreign Affairs, you will have to decide for yourself what is necessary. Make a good assessment here. If you do go on a trip, the advice is to contact your travel insurer to inquire about your specific situation.

I have business travel insurance. I want to travel to a destination where the travel advice is orange. This destination has an orange travel advice due to the rising infections in the Netherlands. The orange travel advice is not due to the health risk due to rising infections at the destination. Am I insured if I do travel to this orange destination?

For non-corona-related risks, you are not always insured at this destination. It is wise to check this with your insurer in advance. It differs per insurer whether or not you are insured. For corona-related risks, this coverage usually applies to the business travel insurance with code orange. You may then be asked to prove that it is a necessary journey, because you are then in an orange area. Contact your insurer if you want to travel to such an area and get informed. Make a good assessment here.

Study abroad

I am going to study abroad for several months, but the travel advice of the country in question is orange due to quarantine obligations. Am I insured through my travel insurance if I do go there?

Please first contact your travel insurer. Then make an informed decision.


With Q&A, travel insurers inform their customers about travel & insurance in relation to corona. View the overview with links to Q&A's of all travel insurers.

 

Liability

I am a doctor/nurse without a valid or expired BIG registration and am now going to work in a healthcare institution. Am I insured against medical liability?

For all employees who perform work without a BIG registration and meet the 'Conditions for deployment of co-assistants and doctors/medical specialists not practicing in times of need' that KNMG published on 16 March 2020, coverage is covered under the current liability insurance of the healthcare institution. The relevant conditions of the KNMG can be found here.

Can anyone be held liable for transmitting the virus?

In principle, no. For this you must be able to prove that the person has committed an unlawful act, which can be attributed to him / her and that the damage was caused as a result. In practice, this will prove to be very difficult, if not impossible.

My employer obliged me to travel to a risk area. I did that, but that's why I contracted the coronavirus. Can I hold my employer liable?

That may be possible, there could be intent. After all, the employer knows that there is a (significant) chance that you will become ill and that while the employer must guarantee safe and healthy conditions.

My company is losing income due to the coronavirus. Can I claim insurance?

No, this is business interruption and that risk is only covered by business interruption insurance if there is material damage and that is not the case here. The government meets entrepreneurs.

Cyber – secure digital working from home

Now that we are working from home more, the dangers of cybercrime are lurking. Because many offices have been confronted quite unexpectedly with the need to let employees work from home, there is sometimes even an unsafe digital infrastructure. This makes offices vulnerable to cybercriminals. Working from home therefore requires extra attention. Digital specialists from De Hypotheekbond have, at the request of Bureau DFO, made an overview of practical tips. If your question or tip below is not listed, take a look at the overview Safe working from home.

How do I recognize a fake website?

Increasingly, fake websites have a web address that seems very reliable. So it is not always easy to read a URL properly. The following three tips may help you:
1. Don't just look at what a URL starts with, but pay particular attention to the piece between https:// and the first/ one you see.
2. Then read that section from back to front. Then you will quickly find out what the main domain is. Is there no / in the URL? Then you can start reading at the very back. That way you can determine if you're on the site you were looking for.
3. Do not fall into the subdomains that resemble a known web address. Such a subdomain may sound familiar to you, but it doesn't have to have anything to do with the actual domain you're visiting.

How do I recognize a suspicious email?

Many scam attempts start with a fake email. It is therefore important to be able to distinguish real from false. The Fraud Help Desk has designed an e-mail guide that should provide you with clarity in seven questions. The questions are:
1. Does the email have a personal salutation?
2. Does the email appear to be written flawlessly?
3. Are you a customer of the aforementioned company?
4. Was the email sent from a company email address? So: @naambedrijf.nl?
5. Is the tone of the email friendly and do you get enough time to respond?
6. Does the email point to a trustworthy website? Place your mouse over the link, without clicking.
7. What does your feeling say? Is the email real or not?
If the answer to any of these questions is no, chances are it's a fake email. If the answer to all the questions is yes, then it is probably a real e-mail, but of course you can always contact the company itself first when in doubt.

What is the best way to work from home safely?

Preferably use 'my environments' and/or secure portals. In any case, never send personal data of yourself or relations via e-mail. After all, you never know who is watching. Many insurers, but also banks, mortgage lenders and notary offices have secure environments to send data and documents safely back and forth. Ask for it and use those environments. Advise the same to any customers!

Finally, a few general tips:

• only use a Wi-Fi connection you trust
• preferably work on a VPN or VDI to connect to an office system
• do not use your own e-mail
• do not print on private printers
• adhere to a clean desk policy
• and lock your laptop or computer when you leave.

Events

I have organized an event and I have to cancel it. Can I claim my event insurance?

This depends on the policy conditions and the reason why the event is cancelled. The damage caused by events that have been cancelled by order of the government have been or will be settled in consultation with the parties. Insurers usually no longer offer cover for new events for risks of pandemic or government measures, such as a lockdown. It is wise to contact your insurance advisor or insurer about insuring the other risks and the measures to be taken.

Many non-life insurance policies exclude epidemics. Why is that?

The premium for insurance is calculated based on the idea that not everyone has damage at the same time. The risk of damage is thus spread over time and distributed among all insured persons. The premium is therefore based on the risk that some events may unexpectedly not take place. But with a pandemic like COVID-19, we've seen the government ban all events at once. If everyone has damage at the same time and that should be insured, such as in an epidemic or pandemic, then the premium becomes unaffordable.

The event industry is starting up again, but may be faced with higher premiums for cancellation insurance. More information is also requested than before. Why is that?

Now that the sector is starting up again, we need to look again at the risks and what kind of coverage insurers can offer for foreseen risks (for example, an artist who does not come, a storm, etc.) with the possibility that the coronavirus can flare up again. It is therefore not surprising that the insurers ask for more information than before.

As far as the premium is concerned, there is market forces in which insurers themselves determine which premium they are suitable for the anticipated risks. At the moment, events can hardly be insured against the pandemic risk because the risk is still too great for (possibly) an event ban due to, for example, a next corona wave.

Impact on insurers

Many non-life insurance policies exclude epidemics. Why is that?

Insurers do this because the possible damage in the event of an epidemic as a result of cumulation can increase enormously. As a result, the financial capacity (solvency) of the insurer may be at risk. That is why some insurers exclude this risk.

Has there ever been any research into the impact of a pandemic on the solvency of insurers?

The solvency of insurers is tested on the basis of a European framework, Solvency II. By default, the risk of a pandemic is included in the solvency requirement. All Dutch insurers must comply with this framework.

Death

Will life insurance be paid out if you die after a vaccination against COVID-19?

On the internet and social media, reports circulate that no benefit from a life insurance policy will be provided in case the insured dies after vaccination against COVID-19. Or that no benefit from disability insurance would be provided, in case there are serious side effects after corona vaccination. These messages are incorrect. In the event that someone dies after vaccination, or becomes incapacitated for work, the insurance is simply paid out if the conditions are further met.

We are not aware of any cases of death or incapacity for work due to vaccination. More about the effects of the COVID-19 vaccination can be found at the RIVM and The Lareb Side Effects Centre.

Suppose someone dies from the coronavirus. What about life insurance, funeral insurance and survivor's pension?

The fact that someone has died due to the coronavirus has no consequences for the payment. Any exclusions in policy conditions with regard to stays in areas where a negative travel advice applies are not intended for a situation such as the one that is currently going on with the virus. We therefore expect that insurers will simply pay out.

Pension

Pension

Pension administrators will meet entrepreneurs who are or have run into acute problems as a result of the corona crisis as much as possible if they experience problems in paying pension contributions. We believe it is important to help affected entrepreneurs as quickly as possible and at the same time to ensure that the pension accrual can continue for the time being, including the associated risks, such as the survivor's pension. In this way, we not only help entrepreneurs, but also their employees.

How will you help?

This differs per insurer and is a matter of customization. Important legal frameworks in this respect include Article 26 and Article 29 of the Pensions Act. Article 26 regulates the period within which an employer must pay, i.e. when the premium must be received and Article 29 specifies what insurers must do when a arrears arise.

The Association has regular consultations with stakeholders about the impact of corona on pensions. For up-to-date information about government measures in the field of corona, we would like to refer you to the websites of the UWV and the national government.

Absenteeism/illness

Does disability insurance pay out if you become incapacitated because of the side effects of the vaccine?

On the internet and social media, reports circulate that no benefit from a life insurance policy will be provided in case the insured dies after vaccination against COVID-19. Or that no benefit from disability insurance would be provided, in case there are serious side effects after corona vaccination. These messages are incorrect. In the event that someone dies after vaccination, or becomes incapacitated for work, the insurance is simply paid out if the conditions are further met.

We are not aware of any cases of death or incapacity for work due to vaccination. More about the effects of the COVID-19 vaccination can be found at the RIVM and The Lareb Side Effects Centre.

Does absenteeism insurance pay out if my employee is unable to perform his work due to illness due to the virus?

Yes, the cause of the disease is irrelevant.

Does absenteeism insurance pay out if my employee is unable to perform his work because he has been quarantined?

No, absenteeism insurance covers the obligation to continue to pay wages in the event of sick staff. If someone is unable to work for a reason other than illness, for example because he/she has to remain in quarantine for preventive reasons, or is not allowed to leave a certain area, there is no cover for any continued payment of wages.

Due to fears of the coronavirus, I cannot do any work. Does absenteeism insurance then pay out?

No, absenteeism insurance covers loss of income due to illness or incapacity for work. That is not the case in this situation.

Does absenteeism insurance pay out if my employee is unable to perform his work due to illness due to the virus?

Yes, the cause of the disease is irrelevant.

Does absenteeism insurance pay out if my employee is unable to perform his work because he has been quarantined?

No, absenteeism insurance covers the obligation to continue to pay wages in the event of sick staff. If someone is unable to work for a reason other than illness, for example because he/she has to remain in quarantine for preventive reasons, or is not allowed to leave a certain area, there is no cover for any continued payment of wages. In the event of a loss of turnover, the employer may be able to invoke the temporary measure Emergency Fund Bridging Employment (NOW)

My employee has cold symptoms, and would have continued to work in normal circumstances, can I register him as sick?

No, a cold in which the symptoms do not lead to health restrictions that stand in the way of work is not a reason to report your employee sick. Your employee is obliged to stay at home on the basis of government advice. In case working from home is not possible, you can consult with your employee for a solution. If no solution is available, you will have to continue to pay the employee's salary. In the event of a loss of turnover, the employer may be able to invoke the temporary measure Emergency Fund Bridging Employment (NOW)

My employee is not sick, but the partner or a child is. What now?

If your employee is not ill himself (and therefore not incapacitated for work), then your employee is not entitled to continued payment of wages in the event of illness. Is working from home not an option and are there no alternatives? Then your employee may be able to take emergency or short-term care leave. Both forms of leave are laid down in the Work and Care Act. Both forms of leave therefore apply, whether or not there is a possible (extended(er)) regulation in the employment contract, collective labour agreement or personnel regulations.

What consequences does a compensation from the NOW have for absenteeism insurance?

No. They are two different 'arrangements'. The NOW is a temporary government scheme based on decreases in turnover and serves an economic interest. The absenteeism insurance provides cover for the costs of continued payment of wages if an employee is incapacitated for work. There may be a concurrence between the two 'schemes', because the NOW provides compensation for the wage costs of all staff, sick or not sick.

I have more than 20 percent loss of turnover and will be eligible for reimbursement of my wage costs through the NOW. Can I then reduce the insured wage bill on the absenteeism insurance?

No. The insured wage bill remains the same. The NOW bridging scheme is aimed at maintaining employment. A condition of the NOW is therefore that the employer keeps the wage bill stable as much as possible by keeping employees employed and paying salaries in full. When the NOW allowance is definitively determined, the UWV can also make a correction if there has nevertheless been a decrease in the wage bill.

Healthcare workers

Can healthcare workers who are at risk of being infected with corona during their work insure themselves for the risk of death or risk of incapacity for work?

Care workers who are healthy in body and limb can, just like any other healthy person, take out normal insurance. Working with corona patients does not play a role in this. There are plenty of opportunities in the market for these professionals to take out term life insurance or disability insurance. We think it is very important that the people who work on the front line of the corona crisis can properly insure themselves against the risks they run. Incidentally, a large number of employees in healthcare work in paid employment. For these care workers, in the event of illness, the regular wage payment period starts as for every employee.

Can healthcare workers who are already infected with corona insure themselves?

An existing infection with corona can be a bottleneck when applying for insurance where health plays a role, especially in the event of a serious illness. After all, insurance is always intended for unforeseen risks. In case of minor complaints, the application will be postponed until after recovery, if the illness is more serious, it may happen that taking out insurance is no longer possible.

Remaining

No health insurers are affiliated with the Dutch Association of Insurers. For questions about this, we refer you to your own health insurer or to their branch association Zorgverzekeraars Nederland.

Can insurers change the policy conditions as a result of the coronavirus?

For existing and ongoing insurance policies, the coronavirus is usually no reason to change the policy conditions. However, insurers can indicate to their customers that from a certain date when entering into new obligations, there is no coverage in the event of damage as a result of the coronavirus. Policyholders are also obliged to prevent or limit damage where possible. For example, by looking at which alternatives are possible, in close consultation with the insurance advisor or insurer.

Maybe this animation helps you about how insurance actually works, and when things are unfortunately not insurable.

Disclaimer

Although care has been taken in drawing up this page, the Dutch Association of Insurers accepts no liability for any inaccuracies or incompleteness therein. No rights can be derived from this web page.

Last changed on: 05/07/2022