insurance

Solution for lack of BSN number within the framework of the Health Insurance Act (NL)
Kendall Mason | 8 April 2010

The Health Insurance Act [Zorgverzekeringswet, "ZVW") was introduced on 1 January 2006. The ZVW provides for standard insurance that is accessible to all, with the option of extending cover by means of supplementary care plans. The Act applies to everyone who receives earned income from the Netherlands.

The Act also sets out a number of obligations that apply to everyone who receives earned income from the Netherlands. One of these obligations is that the insured must have a Citizen Service Number (Burgerservicenummer, "BSN"), in order to prevent misuse/fraud.

Expats sometimes experience delays in obtaining a BSN number. Government authorities are working hard to speed up this process, but it can take a long time, due to differences in methods or systems. This constitutes a major risk for the Expat and for you as an employer, since accidents can always happen and may have troublesome financial consequences.
This major bottleneck is solved, thanks to the close cooperation between The Dutch Expat Foundation, Executive Mobility Group, Kendall Mason and Avéro Achmea: the XHI Insurance, which will be jointly offered by Kendall Mason and Avéro Achmea.

Within the framework of this solution, the Expat is not obliged to obtain a health certificate, which entails the risk that poorer health may mean that an additional premium applies. Furthermore, the premium is the same as the "normal" standard premium and, as an employer, you can also avoid paying double premiums.

The solution offered is only available to members/clients of the Dutch Expat Foundation.

For more information, please contact Kendall Mason:

Tel.: 035-6942195

Fax: 035-6949835

Mail: info@kendallmason.nl

Your contacts are:

Ms E.P.Kroon (Manager Sales),

Mr R. Lanting (Account Manager)
Mr T. Al Maach (Inside Sales)

Far-reaching changes in social security and cross-border labour within the EU, EEA and Switzerland as from 1 May 2010
Expatise | 1 January 2010

The EU directive on social security regulates the way cross-border labour is subject to social security systems within the EU, EEA and Switzerland. In particular, it focuses on migrants and self-employment people who live in one country and work in another, either permanently or on a temporary basis.

EU directive 883/2004 succeeds EU directive 1408/71 and comes into effect on May 1, 2010.

While the aim of the new directive is to simplify current regulations, it may mean that employers experience far-reaching changes to their way of working.

Foreign postings may be liable to social insurance premiums in countries other than the ones you were used to.
You are required by law to inform staff about that new social security system.
Even if you do not need to adapt to the new social insurance system for a 10 year changeover period, your employees can ask you to do so if it is more advantageous for them.

The new rules may lead to foreign postings being liable to social insurance premiums in countries other than the ones you were used to. This may not only mean an increase in the administrative burden for companies, but may also have salary implications because employers tax and premium charges may be higher or lower.

In order to help you choose if the new directive has implications for your company, the Expatise Knowledge Centre is pleased to offer you a webinar.

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	insurance Solution for lack of BSN number within the framework of the Health Insurance Act (NL) Kendall Mason \| 8 April 2010 The Health Insurance Act [Zorgverzekeringswet, "ZVW") was introduced on 1 January 2006. The ZVW provides for standard insurance that is accessible to all, with the option of extending cover by means of supplementary care plans. The Act applies to everyone who receives earned income from the Netherlands. The Act also sets out a number of obligations that apply to everyone who receives earned income from the Netherlands. One of these obligations is that the insured must have a Citizen Service Number (Burgerservicenummer, "BSN"), in order to prevent misuse/fraud. Expats sometimes experience delays in obtaining a BSN number. Government authorities are working hard to speed up this process, but it can take a long time, due to differences in methods or systems. This constitutes a major risk for the Expat and for you as an employer, since accidents can always happen and may have troublesome financial consequences. This major bottleneck is solved, thanks to the close cooperation between The Dutch Expat Foundation, Executive Mobility Group, Kendall Mason and Avéro Achmea: the XHI Insurance, which will be jointly offered by Kendall Mason and Avéro Achmea. Within the framework of this solution, the Expat is not obliged to obtain a health certificate, which entails the risk that poorer health may mean that an additional premium applies. Furthermore, the premium is the same as the "normal" standard premium and, as an employer, you can also avoid paying double premiums. The solution offered is only available to members/clients of the Dutch Expat Foundation. For more information, please contact Kendall Mason: Tel.: 035-6942195 Fax: 035-6949835 Mail: info@kendallmason.nl Your contacts are: Ms E.P.Kroon (Manager Sales), Mr R. Lanting (Account Manager) Mr T. Al Maach (Inside Sales) Far-reaching changes in social security and cross-border labour within the EU, EEA and Switzerland as from 1 May 2010 Expatise \| 1 January 2010 The EU directive on social security regulates the way cross-border labour is subject to social security systems within the EU, EEA and Switzerland. In particular, it focuses on migrants and self-employment people who live in one country and work in another, either permanently or on a temporary basis. EU directive 883/2004 succeeds EU directive 1408/71 and comes into effect on May 1, 2010. While the aim of the new directive is to simplify current regulations, it may mean that employers experience far-reaching changes to their way of working. Foreign postings may be liable to social insurance premiums in countries other than the ones you were used to. You are required by law to inform staff about that new social security system. Even if you do not need to adapt to the new social insurance system for a 10 year changeover period, your employees can ask you to do so if it is more advantageous for them. The new rules may lead to foreign postings being liable to social insurance premiums in countries other than the ones you were used to. This may not only mean an increase in the administrative burden for companies, but may also have salary implications because employers tax and premium charges may be higher or lower. In order to help you choose if the new directive has implications for your company, the Expatise Knowledge Centre is pleased to offer you a webinar.