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Our Product

Below we have listed the major features of our group insurance policy with the additional advantages.

Conditions of inclusion
  • Interfisc BV wages administration contract
  • Membership of Interfisc-Arbo BV
  • Group premium 3.8% (*)
  • Monthly payment
  • Payment via the salary invoice
  • No premium calculation in arrears
  • Following an excess period of 10 working days
  • Continuation of salary
  • 1st year: 100% of salary to a maximum of € 125,000
  • 2nd year: 70% of salary to a maximum of € 87,500
Extra advantages(**)
  • Interfisc-Arbo subscription costs are paid directly by Fides Rae from 1 January 2007
  • Reimbursement of reintegration costs up to a maximum of 50%
  • Claim process is undertaken by Interfisc-group in full, free of charge

(*) The 3.8% premium is calculated on the basic wage for social security insurance (gross salary, commission, holiday allowance, 13th month -/- deductions such as pension premiums) of maximum € 125,000
(**) Arbo subscription costs
Subscription costs are charged for the implementation by Interfisc-Arbo BV of the Wet Terugdringing Ziekteverzuim (Absenteeism Reduction Act, TZ) (supervising employees, making Social Security Insurance notifications, handling reimbursement claims). If you are included in the group sickness benefit insurance scheme, the subscription costs no longer apply. These costs will be paid directly by us to Interfisc-Arbo BV. This extension to the cover applies from 1st January 2007.

Reintegration costs
Under the Wet Verbetering Poortwachter (Eligibility for Permanent Invalidity Benefit (Restrictions) Act), you as the employer will be increasingly faced with costs resulting from the process of reintegrating occupationally disabled employees. These costs may be eligible for reimbursement up to a maximum of 100%. You can read the conditions in the policy conditions and/or ask Interfisc-Arbo for them.

Claim process
The claim process is completely taken off your hands. Each quarter Ravil Intersurance automatically submits any insurance claim you have to us and ensures swift payment.

For more information about participating in our group insurance we refer you to our insurance broker: Ravil Intersurance BV, tel: (0031 70 3133060) or via