Disability insurance for freelancers

Being unable to work for a long time due to illness, an accident or other complaints – it happens more often than people think. In which case, freelancers have to cover the costs and the lost income themselves. Luckily, that’s why there’s disability insurance.


Disability insurance is a safety net for when someone is unable to work for a longer period of time, for example due to illness, an accident or many other reasons.

In that case, a maximum of 80% of the freelancer’s income is paid out on a monthly basis to keep people out of financial trouble. The insurance stops when someone reaches the retirement age for their occupation, or when they are able to work again.


Difference with temporary disability insurance

There’s different types of disability insurance: those with temporary benefits, or coverage until retirement age.

With temporary disability insurance, someone can receive benefits for 2, 5 or 7 years, for example. So that means that if someone is incapacitated for longer than that, at some point they will no longer receive benefits. With disability insurance until retirement age, someone will keep receiving benefits until they retire, leading to less uncertainty.

The difference is just for how long someone will receive benefits, which makes for a difference in monthly premium. The longer the benefit period, the higher the monthly premium. Other than that, they don’t really differ in terms of coverage.


Many people, including freelancers, underestimate the chances of becoming (temporarily) unfit for work, and don’t get insured. In 2021, about 1 in 5 freelancers had disability insurance. However, the probability of ever being unable to work is higher than people think. About 50% will at some point be unable to work for more than 3 months, and 5% even for longer than 5 years.

To make matters worse: the costs of being unable to work can be quite a shock. 1 in 5 freelancers can’t sustain their lifestyle for more than 3 months if they don’t get any new income.


Is disability insurance mandatory for freelancers?

Disability insurance for freelancers is not yet mandatory, but the Dutch government is planning to change that. However, it looks like it could be a while before that idea is brought to life.

To facilitate an opt-out model, there’s a chance that there will be requirements on what disability insurance must cover. That way, freelancers can choose which disability insurance they want to buy, as long as it meets those criteria. What the criteria would be isn’t entirely clear yet.

Disability insurance to suit every freelancer

Freelancers are known for their flexibility. That’s why Alicia’s disability insurance offers a lot of options, to tailor the insurance to suit every freelancer.

Freelancers can (fully digitally) choose all the details of their disability insurance:

50%, 60%, 70% or 80% of their average income

Deductible period
from one month to two years

Benefit period
1, 2 or 5 years or until they’re 67

Psychological complaints, including burn-out
Coverage or no coverage

Annual indexation
Increase or no increase of the insured amount and benefit

Covered yes/no.

Here’s an overview of what is and isn’t covered by disability insurance.


We believe that insurance has to fit like a glove. Contact our sales team to discuss how we can tailor insurance to your freelancers.

  • Disability due to illness or accident
  • Options chosen by the freelancer
  • Pregnancy (max. 16 weeks, 2 years after start insurance)
  • Retraining
  • Reintegration or rehabilitation
  • Discussed costs to prevent or reduce incapacity
  • Alcohol, drugs, medicines and similar substances
  • Dangerous sports
  • Fraud, intent, reckless behaviour
  • Caused by someone with an interest in your benefit
  • (Attempted) crimes
  • During (pre-trial) detention, imprisonment or detention under a hospital order

Always a fitting solution for your freelancers.

Every freelancer and platform is different – that’s why Alicia has different insurance solutions. We make sure there’s always one that fits your platform.


Ultra-flexible insurance that truly fits freelancers. Fitting coverage that’s purchased online in less than 4 minutes and active the next day, with the ability to cancel daily.


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The tailor-made, all-in-one solution. Differentiate your platform by ensuring all your freelancers are automatically insured, or enable them to become Alicia members.


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