How do I calculate the premium of an AOV insurance policy?

Step 1: Fill in some personal information

To calculate the premium for AOV insurance, we need some information from you, such as your date of birth and occupation. These factors influence the amount of the premium. An insurer mainly looks at how risky your profession is. As a construction worker, you will therefore pay a higher premium than an accountant, because an accident risk is higher in such a job. This is because as a construction worker, you often perform heavy physical labor. Moreover, a construction site involves working with large machinery and heavy materials. The insurer takes this into account when calculating the premium.

Step 2: Choose the insured income

Step 2 is to choose the amount of income insured. This is the percentage of your income you want to insure. You may choose this yourself. Ask yourself what amount you need to cover your fixed expenses. Often an AOV assumes 80% of your income by default, but if you think you can get by on less, you can also lower this percentage. The lower the percentage, the lower the premium. With some insurers it is possible to insure 90% of your income for the first year.

Step 3: Choose the number of waiting days and final age

An AOV insurance has a waiting period. The waiting period is the period in which you are already incapacitated for work, but you do not receive any benefits yet. You can determine the waiting period yourself. You have to ask yourself how long you can do without benefits at the moment you become disabled. Do you have a savings in reserve for such a situation? If so, you may be able to increase the waiting period. This is because you can opt for a waiting period of 2 weeks, but also of 2 months or longer. You will then receive benefits only after 2 months of disability. The longer the waiting period, the lower the premium.

In this step, you also choose the final age. You decide how long or until what age you want the benefit to continue. Many people let the AOV continue until they receive AOW, but of course you can also choose a lower final age. This affects the premium. The lower the final age, the lower the premium.

Step 4: Compare providers and take out your AOV insurance.

Finished filling out the form? Then you can send the quote request directly. Within a few working days you will receive an accurate quote from us. Here you can then compare the offer yourself. We recommend that you pay attention not only to the amount of the premium, but also to the coverage and conditions of the insurance. This way you can be sure that you will be well insured in case of disability.

Calculate the premium of your AOV insurance directly through Alpina

Do you still have questions about the offer or about taking out AOV insurance? Then be sure to contact us! Our insurance specialists will be happy to help you with all your questions. We are available Monday through Friday from 8 a.m. to 6 p.m. by phone at 088 - 688 3712. You can also ask your question via chat, WhatsApp or Messenger.