If you do not wish to be covered by the Dutch national insurance schemes

As a rule, if you live in the Netherlands, you are automatically covered by the Dutch national insurance system. If you receive income from work or a benefit, you will have to pay national insurance contributions. If you do not want to be insured, you may be able to apply for an exemption.

For which insurance schemes can you get an exemption?

You can apply for an exemption under the schemes for old age pension ( AOW) survivor benefits (Anw), child benefit (AKW) and the Long-term Care Act (Wlz). In some cases, you can request a certificate of non-insurance under the Wlz scheme. If you are granted an exemption, you will no longer have to pay contributions. However, you will no longer be insured under these schemes either. 

What are the conditions for an exemption?

Choose the option that best describes your situation and read about the conditions.

You can apply for an exemption if:

  • your partner or family member works for an organisation under international law based in the Netherlands, and
  • you live in the Netherlands, and
  • you do not work in the Netherlands, and
  • you do not receive a Dutch benefit (with the exception of an AOW old age pension), and
  • you are not covered under the social insurance scheme of the international organisation, and
  • you have sufficient coverage under the collective health insurance scheme of the international organisation. Your coverage must include hospital care and long-term care in nursing homes.

You can also apply for an exemption under the AOW, Anw, AKW and Wlz schemes if:

  • your partner or a member of your family works for an organisation under international law based outside the Netherlands, and
  • you live in the Netherlands, and
  • you do not work in the Netherlands, and
  • you do not receive a Dutch benefit (with the exception of an AOW old age pension), and
  • you are not covered under the social insurance scheme of the international organisation, and
  • you have sufficient coverage under the collective health insurance scheme of the international organisation. This insurance must include hospital care and long-term care in nursing homes.

If you wish to apply for an exemption under the AOW, Anw, AKW and Wlz schemes, you can download the application form. On the form, you should state in which country the international organisation is based.

You can apply for an exemption if:

  • you live in the Netherlands, and
  • You receive a benefit from a country other than the Netherlands, or from an organisation under international law, and
  • you have a long-term pension or benefit, and
  • your benefit is at least €1,190.70 gross per month, and
  • you are not working (limited voluntary work is permitted)

If you have a Dutch benefit as well as a benefit from another country or from an international organisation, the following additional conditions apply:

  • both your benefits are long-term benefits, and
  • your benefits together are at least €1,190.70 gross per month, and
  • your Dutch pension or benefit is lower than or equal to the other benefit.

If you want to apply for an exemption under the AOW, Anw and AKW schemes, you can download the application form.

If you are insured under the Wlz scheme, you can only apply for an exemption if you meet all the conditions.

If you are not insured under the Wlz scheme, you can request a certificate of non-insurance, provided you meet the conditions.