Is the Au pair insurance compulsory? The simple answer to this question is "no". There is no legal obligation for the host family or the au pair herself, to arrange or have an au pair insurance. There is one common exception to this rule, and this is when an au pair agency makes it compulsory for the host family to arrange an au pair insurance. The agency simply requires an au pair insurance when you want to use their mediation. Obviously, taking care of the insurance should prevent serious problems in case of expenses.
Even when there are no agreements with an au pair agency, we think it is advisable to issue an au pair insurance to avoid high unforeseen costs. Below we mention some situations that could occur and in which the au pair insurance would take care of (a part of) the expenses.
What the au pair insurance usually covers:
- when the au pair is not yet enrolled in the municipality (gemeente) she (of he) can not yet obtain the BurgerServicenummer (BSN) which is required to apply for the basic health insurance. In the meantime, for example during the trip to The Netherlands, the au pair could get an accident or become ill. If there is no au pair insurance, the au pair will probably be uninsured.
- there is no complete cover when the au pair is taking a trip outside The Netherlands, having only the Dutch basic health insurance (basisverzekering). The basic health insurance provides no extra cover when someone needs medical treatment in another country than The Netherlands. They will at most remunerate what they would have paid if the costs were made in The Netherlands, leaving the extra expenses up to you.
- fortunately it does not happen often, but it has happened that the au pair dies during her stay in The Netherlands. When this happens, a lot has to be arranged to make sure the body of the au pair can return to the home country. The Emergency helpline (Alarmcentrale) will take care of all kind of (official) things to make sure the mortal remains will be transported. For several reasons, you don't want to be the person to arrange and pay for this.
- the au pair is working at your house and accidentally she drops a pan on your cooking hot plate that bursts. Some insurances will cover the repair costs as part of the liability insurance.
- during a nice day at a theme park, the bag of the au pair gets stolen. The bag contained the passport of the au pair, which will need to be replaced. Most of the au pair insurances offer a cover for stolen luggage.
A Dutch basic health insurance (basisverzekering) does not offer remuneration for expenses that concern repatriation to the home country, liability and luggage. This is just not part of the cover. We therefore recommend an au pair insurance. Arranging the au pair insurance also helps you meet the required duty of care for the au pair.
I don't have an au pair insurance yet
Find out more about the au pair insurances that we offer. We offer insurances from several insurance companies and like to tell you more about it.