AOW pension

When are you covered by national insurance in the Netherlands?

The Netherlands has 4 national insurance schemes: child benefit (AKW), old age pension (AOW), survivor benefit (Anw) and the Long-term Care Act (Wlz). As a rule, everyone who lives in the Netherlands legally is insured under these national insurance schemes. However, there are some exceptions.

Living in the Netherlands but not insured

NB: the exceptions below are general exceptions. For detailed information about your personal situation, we advise you to contact us.

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

  • If you work outside the Netherlands in another EU/EEA Member State or a country with which the Netherlands has a social security agreement and you do not have a Dutch secondment certificate.
  • If you work for an employer or client based outside the Netherlands in a country that is not an EU/EEA Member State or that does not have a social security agreement with the Netherlands.
  • If you work in the Netherlands as a diplomatic or consular representative of another country. Your family members will only be insured if they work in the Netherlands or receive a Dutch social security benefit.
  • If you are a non-Dutch national who has been assigned to work in the Netherlands for the administrative, technical or household staff of a diplomatic or consular representative of another country and you have been working in the Netherlands for less than 10 years.
  • If you work as a civil servant for an international organisation such as NATO or the European Union. Whether your family members are insured depends on the agreement between the Netherlands and the international organisation. If they work in the Netherlands or receive a Dutch social security benefit, they will most likely be insured.
  • If you work for the government of another country or the government of Curaçao, Aruba or Sint Maarten. 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/EEA. See ‘Working in two or more countries’.
  • If you work in the Netherlands and you have a secondment certificate from another country.
  • If you are in the Netherlands temporarily for study purposes and you do not work.
  • If you are a family member of a person who works outside the Netherlands in another EU/EEA Member State or a country which has a social security agreement with the Netherlands, and you do not work or receive a Dutch social security benefit yourself (only applies for Wlz insurance).
  • If you receive a social security benefit from another EU/EEA Member State which is your only income (only applies for Wlz insurance).
  • If you are a family member of a person who exclusively receives a social security benefit from another EU/EEA Member State and you do not work or receive a Dutch social security benefit yourself (only applies for Wlz insurance).
  • If you are a family member of a person who receives a pension or benefit from an international organisation and you do not work or receive a Dutch social security benefit yourself (only applies for Wlz Insurance).

Living outside the Netherlands but still insured

NB: the exceptions below are general exceptions. For detailed information about your personal situation, we advise you to contact us.

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

  • If you are employed and pay tax and national insurance contributions in the Netherlands, and you do not have a secondment certificate from another country.
  • If you are self-employed in the Netherlands and generate profit from a Dutch enterprise which is subject to income tax.
  • If you work outside the Netherlands temporarily and you have a Dutch secondment certificate.
  • If you are a Dutch civil servant 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 you do not work in that country.
  • If you are receiving care in one of a number of 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 wish to be insured

Are you against all forms of insurance on principle?

  • visit the page about moral or religious objections to insurance

If there is another reason you do not wish to be insured,