AOW pension

Exemption from compulsory insurance

The Netherlands has four national insurance schemes:

  • child benefit (AKW)
  • old age pension (AOW)
  • survivor benefit (Anw)
  • long-term care (Wlz)

As a rule, everyone who lives in the Netherlands is insured under these national insurance schemes. If you receive wages or a benefit, you will pay national insurance contributions.

In certain cases, you can apply for exemption from compulsory insurance. You will then not have to pay national insurance contributions. However, you will then no longer be insured under the national insurance schemes. Check below which situation applies to you.

1. You are covered under the national health insurance scheme of another EU, EEA or treaty country.

You can request a certificate of non-insurance under the Wlz scheme

2. You receive a pension from an organisation under international law

You can request a certificate of non-insurance under the Wlz scheme

3. You are the partner or family member of a person who receives a pension from an organisation under international law.

You can request a certificate of non-insurance under the Wlz scheme

4. Your late partner or family member received a pension from an organisation under international law.

You can request a certificate of non-insurance under the Wlz scheme

5. You receive a non-Dutch benefit or a benefit from an organisation under international law.

You can apply for exemption under the AOW, Anw and AKW schemes.

6. Your partner or family member works for an organisation under international law

You can apply for exemption under the AOW, Anw, AKW and Wlz schemes

7. Your partner or family member is an employee of an organisation under international law or receives a pension from an organisation under international law and you receive an AOW pension.

You can only apply for exemption under the Wlz scheme