Coverage and policy conditions

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2. Professional liability insurance
3. Coverage and policy conditions

Coverage

• Insured amount €2,500,000 per claim per member
  
• Maximum payout up to a total of €5,000,000 per year per collective policy
• Personal injury: no deductible
• Property damage: deductible of €125
• Interns and assistant(s) are insured at no extra cost
• Staff* can be included in the coverage
• Substitutes (in case of absence) of all insured individuals are covered.
• Contract duration 12 months ongoing with automatic renewal for 12 months each time.
• Special conditions: coverage is only provided for members based in the Netherlands.
• Damages caused by providing emergency assistance are covered worldwide.
• Damages to third parties due to business use of an e-bike.
• Specific costs related to the Wkkgz (regarding dispute resolution body)

* By staff, we mean: doctor/physiotherapist or healthcare provider who
meets the requirements of the NVA. Details must be filled in on
the application form, otherwise no coverage.

Coverage of retroactive risk for members previously insured elsewhere:

• Premium amount is a one-time annual premium.
• Only for members who were insured elsewhere prior to this insurance.

Retroactive risk: Claims reported after the expiration date of the previous insurance will be handled by the VvAA. If the run-off risk was included in your previous insurance, you do not need to insure retroactive risk.

Claims and circumstances that arose within a period of 5 years prior to the effective date of this insurance and reported to the VvAA during the insured period are automatically covered. No coverage will be provided for claims and circumstances that were known to or could have been known to the insured before the effective date of the insurance.