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.
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 will be 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’ under 'Living outside the Netherlands but still insured'.
- 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.