My private disability insurance payment was refused or stopped: what can I do?
What would you like help with?
Detailed explanation, checklist and sources
Ask for the written reasons and applicable policy clauses. Match them with your facts and evidence and, if necessary, submit an internal complaint. Private AOV insurance is not a UWV benefit. Kifid may help, but eligibility and deadlines need separate checking.
On this page
1. Identify the insurance
This concerns private disability insurance (AOV) in the Dutch context. Identify the policyholder, insured person and deciding insurer, and whether the policy protects your own income or belongs to an employer arrangement. A UWV decision follows an administrative objection procedure; do not send this private insurance complaint as though it were a UWV objection.
Kifid · AOV en betwiste gezondheidsverklaring ↗
Kifid · Reglement Geschillencommissie, artikelen 1, 3–8 en 28–29 ↗
2. Make the decision verifiable
Request the full refusal or termination, its effective date and the policy clauses relied upon. Use your policy schedule and the conditions applicable at the time, not merely a current advertisement. Compare the reason with the policy: for example, the definition of disability, an exclusion or disputed information supplied when taking out cover. This page does not decide whether your claim is covered.
3. Gather focused evidence
For each disputed point record what the insurer says, which fact you dispute and which document supports you. If non-disclosure of health information is alleged, request the original questionnaire, your answers and the precise allegation. That dispute requires individual legal assessment. Ask for a designated secure channel for necessary medical information; do not put a full medical file in this preparation or a public chat.
4. Submit an internal complaint
Use the insurer’s internal complaints procedure. Identify the decision, policy, disputed issue, relevant evidence references and requested remedy. Keep the complaint and proof of receipt. If the decision stands, request the final internal complaints position. Our draft sends nothing and is neither a Kifid form nor automatic protection against limitation periods.
Kifid · Reglement Geschillencommissie, artikelen 1, 3–8 en 28–29 ↗
5. Check whether Kifid can hear the complaint
Check the insurer’s entry in Kifid’s register and seek advice about exceptions where necessary. The consumer route depends, among other things, on Dutch law and the private purpose of the financial service; predominantly business purposes may lead to a different outcome. Self-employment does not automatically give access to the business-finance desk. Existing or completed court proceedings may prevent consideration. Ask Kifid which route is available for your policy if uncertain.
Kifid · Reglement Geschillencommissie, artikelen 1, 3–8 en 28–29 ↗
6. Check deadlines and your next step
After a final internal position, or eight weeks without one following your complaint, filing with Kifid may be possible. Article 7 provides for three months after the written final position if the provider pointed out that deadline, one year after your first complaint to the provider, and a reasonable period after you knew or reasonably should have known you could complain. The most favourable applicable period governs; receipt by Kifid counts. Use its official filing route and keep evidence. Have limitation of the insurance claim and the consequences of binding advice assessed separately. Seek prompt expert help for fraud allegations, threatened loss of income or an approaching deadline.
Kifid · Reglement Geschillencommissie, artikelen 1, 3–8 en 28–29 ↗
Draft complaint about an AOV refusal or termination
Adapt this to verifiable facts and submit it yourself to the insurer’s complaints department. Omit medical details. This is not an official Kifid filing or guaranteed interruption of limitation.
Edit your draftWord
Your edits stay on this page and are not automatically saved or sent. Complete every placeholder.
Do I always have six weeks to object?
No. A private insurance complaint does not automatically follow UWV objection rules. Check the internal procedure, applicable Kifid deadline and separately the limitation period for your claim. Calling or saving a draft here does not protect a deadline.
Documents to prepare
Prepare your next stepFill in and save · Word
Tick what you have checked or collected. Note what is missing and take your overview to a meeting.
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What do you still need for your next step?
Item 1 / 6 · Where do you stand with this item?
Policy schedule, conditions version and parties
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View all details, notes and timeline
Your timeline and evidence
List events and contacts. Note where you keep the evidence; no upload is needed.
What goes in my timeline?
Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
Is my evidence sent?
No. You only note where it is kept. No files are uploaded or sent automatically.
How do I save my timeline?
Your entries are not saved automatically. Choose Save and continue later to store this preparation, including your timeline, in My overview. Wait for confirmation and save new changes again. You can also download a Word file without an account.
Up to 20 events. Choose a different position for an event to change the order.
0 / 6 · Checked or collected
For each event, note the date, what happened and where the evidence is kept. Example: 3 October — letter received — correspondence folder.
Describe the solution you would like, such as an explanation of a deduction and repayment of the outstanding amount.
For example: which document is missing, who can provide it and what should I do first?
Record the date and its source. If unknown, note this and check promptly. This tool does not calculate or monitor deadlines.
After your conversation
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
This is your preparation, not a submitted request, objection or legally reviewed document. A tick records only your own progress. Check the procedure and deadline in the original letter.
Save and continue later
Clear entries
Download anything you want to keep first. Clearing cannot be undone.
- Policy schedule, conditions version and parties
- Dated refusal or termination with policy grounds
- Timeline of notification, decision and payments
- Evidence references for each issue; medical data securely separate
- First complaint, receipt and final position
- Kifid eligibility and receipt deadline; separate limitation check
Contact with a lawyer
You can use the chat and information without a phone number. A contact request requires a phone number, a verified email address and your wish for telephone contact. Our team assesses which partner fits your question. Data is shared only under the stated consent procedure. A partner or engagement is not guaranteed.
View the current application processSources
Need personal assistance? Request a lawyer through our chat. We explain the next step; submitting a request does not engage a lawyer. The links below support the legal information.
Kifid · AOV en betwiste gezondheidsverklaring ↗Kifid · Reglement Geschillencommissie, artikelen 1, 3–8 en 28–29 ↗Kifid · Kan Kifid mijn klacht behandelen? ↗Kifid · Een klacht indienen ↗Sources may be in Dutch. General information about Dutch law, not individual legal advice.