Voluntary insurance

For how long can you take out voluntary insurance?

In general, you can take out voluntary insurance for up to 10 years. In some cases, however, you can take out voluntary insurance for a longer period.

Voluntary insurance for more than 10 years

You can take out voluntary insurance for more than 10 years if:

  • you work for the Dutch government, or for a Dutch organization which carries out government tasks
  • you work for a development organization which has been recognized by the Dutch government, such as War Child Netherlands or Oxfam Novib
  • you work for an international organization such as the United Nations or NATO
  • you have been commissioned to work for the Dutch government, and you are paid by the Dutch government
  • at the start of the voluntary insurance, you are 50 or over, live outside the Netherlands and receive a Dutch benefit (for example, an incapacity benefit or survivor benefit) of 35% or more of the gross minimum wage.
    In these cases, your partner and children who are living with you can also take out voluntary insurance for more than 10 years.

Voluntary insurance for less than 10 years

The voluntary insurance may stop before the end of the ten years. For example, if you reach the AOW pension age and become entitled to an AOW pension, or if you return to the Netherlands. You will find more information about when the voluntary insurance stops on the page You are going to live or work in the Netherlands again.