{"id":35396,"date":"2025-09-22T13:52:22","date_gmt":"2025-09-22T11:52:22","guid":{"rendered":"https:\/\/www.bouvy.nl\/?p=35396"},"modified":"2025-09-22T14:00:52","modified_gmt":"2025-09-22T12:00:52","slug":"verzuimverzekering-mkb","status":"publish","type":"post","link":"https:\/\/www.bouvy.nl\/en\/2025\/09\/22\/verzuimverzekering-mkb\/","title":{"rendered":"The cost of absenteeism: why absenteeism insurance saves money"},"content":{"rendered":"<h1><strong>The cost of absenteeism: why absenteeism insurance saves money<\/strong><\/h1>\n<p>As an entrepreneur, you know how important your employees are to the success of your business. But what happens when an employee is absent from work due to long-term illness? Many SME entrepreneurs underestimate the <strong>costs of an employee&#039;s illness<\/strong>In addition to continued payment of wages, there are often additional costs. In this article we explain how high the <strong>wage costs in case of illness<\/strong> can arise, and how absenteeism insurance can protect your company.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>The real costs of a sick employee<\/strong><\/h2>\n<p>By law, employers are required to pay at least 70% of a sick employee&#039;s salary for a maximum of two years. In practice, many employers choose to pay 100% in the first year.<\/p>\n<p>In addition, there are additional costs, such as:<\/p>\n<ul>\n<li><strong>Replacement staff<\/strong> (or overtime of colleagues)<\/li>\n<li><strong>Reintegration and guidance<\/strong><\/li>\n<li><strong>Loss of productivity<\/strong><\/li>\n<li><strong>Administrative burdens<\/strong><\/li>\n<\/ul>\n<p>This means that the actual costs are often much higher than just the wages.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Calculation example: wage costs in the event of long-term sick leave<\/strong><\/h2>\n<p>Suppose an employee earns \u20ac3,000 gross per month.<\/p>\n<ul>\n<li><strong>Year 1:<\/strong> you pay 100% by \u2192 \u20ac 36,000.<\/li>\n<li><strong>Year 2:<\/strong> you pay 70% by \u2192 \u20ac 25,200.<\/li>\n<li><strong>Total labor costs in 2 years:<\/strong> \u20ac 61.200,-<\/li>\n<\/ul>\n<p>Add to that the extra costs for replacement and reintegration, and you see that one long-term sick employee can easily cost your company <strong>\u20ac70,000 to \u20ac80,000<\/strong> can cost.<\/p>\n<p>For many SMEs, this is an enormous financial burden.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>How absence insurance saves costs<\/strong><\/h2>\n<p>A <strong>absence insurance<\/strong> Protect your company against these high costs. The insurer covers (a large portion of) continued salary payments during illness, and often also the costs of absenteeism management and reintegration.<\/p>\n<p>The benefits:<\/p>\n<ul>\n<li><strong>Financial security<\/strong>: you do not have to bear all wage costs yourself in the event of illness.<\/li>\n<li><strong>Professional support<\/strong>: many insurers offer occupational health services and reintegration guidance.<\/li>\n<li><strong>Cost savings<\/strong>: the premium is often only a fraction of the potential absenteeism costs.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><strong>Sickness absence and SMEs: prevent financial risks<\/strong><\/h2>\n<p>For SME entrepreneurs, a single long-term sick employee can cause a significant budget loss. With absence insurance, you can cover this risk and ensure business continuity.<\/p>\n<p>At Bouvy Advies, we&#039;re happy to help you choose the right absence insurance for your business. This way, you&#039;re protected against unexpected costs and can continue to focus on your business.<\/p>\n<p>&nbsp;<\/p>\n<p>Do you want to know how much you can save with absenteeism insurance? <a href=\"https:\/\/www.bouvy.nl\/en\/contact\/\">contact<\/a> Contact Bouvy Advies for personal advice.<\/p>","protected":false},"excerpt":{"rendered":"<p>De kosten van ziekteverzuim: waarom een verzuimverzekering geld bespaart Als ondernemer weet je hoe belangrijk je medewerkers zijn voor het succes van je bedrijf. Maar wat gebeurt er als een werknemer langdurig ziek uitvalt? Veel mkb-ondernemers onderschatten de kosten van ziekte van een werknemer. Naast de loondoorbetaling komen daar vaak ook extra lasten bij. In [&hellip;]<\/p>\n","protected":false},"author":87,"featured_media":35381,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,1],"tags":[],"class_list":["post-35396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurances","category-niet-gecategoriseerd"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bespaar kosten met een verzuimverzekering voor mkb - Bouvy Advies<\/title>\n<meta name=\"description\" content=\"Ziekteverzuim kost mkb&#039;er vaak meer dan gedacht. Bekijk hoe hoog loonkosten bij ziekte oplopen en hoe een verzuimverzekering kosten bespaart.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bouvy.nl\/en\/2025\/09\/22\/verzuimverzekering-mkb\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"De kosten van ziekteverzuim: waarom een verzuimverzekering geld bespaart\" \/>\n<meta property=\"og:description\" content=\"Ziekteverzuim kost mkb&#039;er vaak meer dan gedacht. Bekijk hoe hoog loonkosten bij ziekte oplopen en hoe een verzuimverzekering kosten bespaart.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bouvy.nl\/en\/2025\/09\/22\/verzuimverzekering-mkb\/\" \/>\n<meta property=\"og:site_name\" content=\"Bouvy Advies\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-22T11:52:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-22T12:00:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bouvy.nl\/wp-content\/uploads\/sites\/75\/2023\/06\/Kosten-ziekteverzuim-Bouvy-Advies.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Pascale\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Pascale\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.bouvy.nl\/2025\/09\/22\/verzuimverzekering-mkb\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.bouvy.nl\/2025\/09\/22\/verzuimverzekering-mkb\/\"},\"author\":{\"name\":\"Pascale\",\"@id\":\"https:\/\/www.bouvy.nl\/#\/schema\/person\/3ea9050454b5cc388ce7a7ceb8a51d65\"},\"headline\":\"De kosten van ziekteverzuim: waarom een verzuimverzekering geld bespaart\",\"datePublished\":\"2025-09-22T11:52:22+00:00\",\"dateModified\":\"2025-09-22T12:00:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.bouvy.nl\/2025\/09\/22\/verzuimverzekering-mkb\/\"},\"wordCount\":395,\"image\":{\"@id\":\"https:\/\/www.bouvy.nl\/2025\/09\/22\/verzuimverzekering-mkb\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.bouvy.nl\/wp-content\/uploads\/sites\/75\/2023\/06\/Kosten-ziekteverzuim-Bouvy-Advies.jpg\",\"articleSection\":[\"Insurances\",\"Niet gecategoriseerd\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bouvy.nl\/2025\/09\/22\/verzuimverzekering-mkb\/\",\"url\":\"https:\/\/www.bouvy.nl\/2025\/09\/22\/verzuimverzekering-mkb\/\",\"name\":\"Bespaar kosten met een verzuimverzekering voor mkb - Bouvy Advies\",\"isPartOf\":{\"@id\":\"https:\/\/www.bouvy.nl\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.bouvy.nl\/2025\/09\/22\/verzuimverzekering-mkb\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.bouvy.nl\/2025\/09\/22\/verzuimverzekering-mkb\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.bouvy.nl\/wp-content\/uploads\/sites\/75\/2023\/06\/Kosten-ziekteverzuim-Bouvy-Advies.jpg\",\"datePublished\":\"2025-09-22T11:52:22+00:00\",\"dateModified\":\"2025-09-22T12:00:52+00:00\",\"author\":{\"@id\":\"https:\/\/www.bouvy.nl\/#\/schema\/person\/3ea9050454b5cc388ce7a7ceb8a51d65\"},\"description\":\"Ziekteverzuim kost mkb'er vaak meer dan gedacht. 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