conditiedekking

Conditiedekking is a term used in Dutch-language insurance and risk management to describe coverage that only applies when predefined conditions are met. The word combines conditie (condition) and dekking (coverage), indicating that the insurer’s liability is activated or limited by specific requirements.

In practice, conditiedekking means that a policy does not cover all risks automatically; rather, coverage is conditioned on factors such as timely premium payment, compliance with policy terms, or the fulfillment of safety and maintenance measures. Conditions can also relate to incident reporting, location or use of insured items, or adherence to security protocols.

Typical conditions might include: paying premiums on schedule, maintaining required devices or alarms, implementing agreed safety measures, obtaining prior authorization for certain procedures, or reporting an incident within a specified timeframe. If a condition is not satisfied, the insurer may partially pay, deny, or limit a claim according to the policy wording.

Conditiedekking affects both policyholders and insurers. For policyholders, it creates obligations beyond the standard risk transfer and can influence risk management practices. For insurers, it allows calibration of risk exposure and can help control costs by excluding or limiting coverage under certain circumstances.

The concept is commonly found in property, auto, health, and business interruption policies, among others. It is distinct from outright exclusions, as conditions describe trigger mechanisms for coverage rather than simply listing excluded events. Always consult the specific policy language to understand which conditions apply and how they affect claims.