Accident Insurance

What is accident insurance?

Accident insurance guarantees that an employee gets part of his salary if the employee cannot work due to an accident at work. If an insured person passes away as a result of an accident at work, the accident insurance gives benefits to his/her spouse, child(ren) or other persons dependent on the deceased for livelihood support.

Which employees are insured under the accident insurance?

All employees in the private sector are covered by accident insurance, except for the following categories of employees:

The following categories of employees are not covered under accident insurance:

  • The employer who works at their own risk and who receives payment.
  • The spouse, child(ren), or parent(s) of an employer who work for their own company and are not paid or receive wages under the minimum wage level.
  • Domestic staff.
  • Captain or navigators of ships with the flag of Aruba.
  • Public employees or employees who have legal status equal to public employees.
  • Employees who work at home.

What is an accident at work?

An accident at work is an accident that occurs during work and is related to the execution of work, resulting in the employee being incapacited to work.
It is also considered an accident at work, when that accident takes place on the way to or from work using the shortest route, or an illness that arises after work but is due to execution of work.

How much is the compensation for AO disability days?

The employee is entitled to compensation from the second day after notifying to the SVb that he/she could not work due to an accident. All employees receive 100% of their salary during the first year of incapacity due to work accidents. After the first year, compensation is 80% of the salary.
If the employee becomes permanently disabled, SVb determines the employee’s level of disability. A percentage of the salary will then be granted based on the level of disability.

What requirements must the employee meet to receive compensation?

To receive benefits the employee must be registered with SVb as an insured employee. To be able to receive compensation, the employee must submit an accident form (Bedrijfsongevallenformulier) within one year after the accident, fully filled and signed by their employer.

The employee who got into an accident due to a prohibited conduct, an intentional act or gross negligence cannot receive compensation.

How is the SVb compensation received?

SVb gives compensation for sickness and accident insurance after it received a request for this via the MiSVB portal. Requests for payment of “ZUK” that were delivered before the 20th of the current month will be paid after the 5th of the following month.

How much is the premium for accident insurance?

The premium for accident insurance is between 0.25% and 2.5% of the employee’s gross salary. This percentage depends on the level of the work hazard. After assessing the degree of danger, SVb stipulates the percentage corresponding to the job. This premium is to be paid by the employer. It is against the law for the employee to pay the premium or for the amount to be deducted from their wages.
More information about Hazard Classes here.

Passing Away of the Insured Person

If an insured person passes away, SVb needs to be informed of this within 30 days after the death. This to prevent premiums from being overcharged to the company in the first instance, and in cas of the deceases being AO to prevent that the received compensation must be paid back.

To do this, you can send an email with the following information about the deceased to: medisch@svbaruba.org

  • Full name(s) and surname(s) (maiden name)
  • Date of birth
  • Date of death
  • Registered employer(s)
  • Death certificate

More information

For more information, you can contact SVb by phone at 527-2700, via email at info@svbaruba.org, or by using the contact form:
contact form.