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Anw survivor benefit

When are you covered by national insurance in the Netherlands?

The Netherlands has four national insurance schemes: child benefit (AKW), old age pension (AOW), survivor benefits (Anw), and exceptional medical expenses (AWBZ). As a rule, everyone who lives in the Netherlands is insured under these national insurance schemes. However, there are some exceptions.

Living in the Netherlands but not insured

When can you be living in the Netherlands without being insured?

  • If you work outside the Netherlands and do not have a Dutch secondment certificate.
  • If you work outside the Netherlands - but not in another EU Member State or a country with which the Netherlands has a social security agreement - for an employer based outside the Netherlands. 
  • If you work as a civil servant for another country's embassy or consulate, or for an international organization such as NATO or the European Union. Your family members will only be insured if they work in the Netherlands or receive a Dutch social security benefit.
  • If you work for the government of another country or the government of the Netherlands Antilles or Aruba. Your family members will only be insured if they work in the Netherlands or receive a Dutch social security benefit.
  • If you work in international transport for a non-Dutch employer, transporting persons or goods mainly outside the Netherlands. Different rules apply within the EU. See working in two or more countries.
  • If you work in the Netherlands and you have a non-Dutch secondment certificate.
  • If you are a musician, performing artist or sportsperson working in the Netherlands for a short period of time.
  • If you are studying in the Netherlands temporarily and are not employed.
  • If you are a family member of a person who works outside the Netherlands and you do not work or receive a Dutch social security benefit (only applies for AWBZ insurance).
  • If you receive a non-Dutch social security benefit (only applies for AWBZ insurance).
  • If you are a family member of a person who receives a non-Dutch social security benefit and you do not work or receive a Dutch social security benefit yourself (only applies for AWBZ insurance).
  • If you are a family member of a person who receives a pension or benefit from an international organization and you do not work or receive a Dutch social security benefit yourself (only applies for AWBZ insurance).

Living outside the Netherlands but still insured

When can you be living outside the Netherlands while staying insured in the Netherlands?

  • If you work and pay tax and national insurance contributions in the Netherlands, and you do not have a secondment certificate from another country.
  • If you work outside the Netherlands and you have a Dutch secondment certificate.
  • If you are a Dutch national working outside the Netherlands for a Dutch embassy or consulate or another Dutch government institution. Your family members will stay insured as well, unless they start working outside the Netherlands and earn more than the tax-free threshold.
  • If you work in international transport for a Netherlands-based company and you transport goods or persons. However, you will not be insured if you work mainly in the country where you live or if you work for a branch of your company outside the Netherlands. If you live on board a ship, your family members living on board with you will also be insured. Different rules apply within the EU. See working in two or more countries. 
  • If you are staying outside the Netherlands temporarily to study and do not work in that country.
  • If you are receiving care in certain care institutions outside the Netherlands, such as the Dutch sanatorium in Davos.

Working in two or more countries

If you work in two or more countries, different rules may apply. If you work in paid employment in two or more EU Member States, you will be insured in the country where you live if:

  • you spend more than 25% of your time working in the country where you live, or
  • your employer is based in the country where you live

You will also be insured in the country where you live if you work for different employers in different EU Member States. These rules also apply to employees working in international transport.

If you want to know more about your insurance position, contact your SVB office.

If you do not want to be insured

Is there a reason why you do not want to be insured?

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