What are the volksverzekeringen (the Dutch national insurance schemes)?
National insurance schemes apply to everyone who lives in the Netherlands, whether or not you work. There are three of them.
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Which there are
The AOW provides the state pension from the state pension age. You build up entitlement by living in the Netherlands. Each year of residence builds up two per cent.
The Anw is the surviving dependants scheme: a benefit for surviving dependants who meet strict conditions, such as having a child under eighteen or being unable to work.
The Wlz covers long-term care: nursing home care and care for people with a permanent disability.
In the past the AKW: child benefit, was also a national insurance scheme. It is now paid out of general funds.
How you pay for them
Through wage and income tax. On your payslip that appears as national insurance contributions. You do not take them out yourself.
The difference from employee insurance schemes
Employee insurance schemes: unemployment, WIA and sick pay: apply only to employees and are paid by the employer.
If self-employed professional you are covered by the national insurance schemes but not by the employee insurance schemes. That is why disability insurance for the self-employed is not a luxury.
Why it matters
The Anw is considerably more limited than people think. Surviving dependants' cover or term life insurance fills that gap; work out what would actually be left for your partner.
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Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
Which national insurance schemes are there?
AOW, Anw and Wlz; child benefit has not been one of them for some years now.
How do I pay for them?
Through wage and income tax. You do not take them out yourself.
Do they also apply to the self-employed?
Yes; employee insurance schemes such as unemployment and WIA do not.
What is the difference from employee insurance schemes?
National insurance schemes apply to everyone who lives here, employee insurance schemes only to employees.
How do I build up AOW?
By living in the Netherlands; two per cent a year.
Is the Anw enough?
Often not; the conditions are strict and the amount limited.