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National Insurance Scheme

The Netherlands has four national insurance schemes: child benefit (AKW), old age pension (AOW), survivor benefits (Anw), and exceptional medical expenses (AWBZ). As a rule, everyone who lives in the Netherlands 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 and do not have a Dutch secondment certificate.
  • If you work outside the Netherlands - but not in another EU Member State or a country with which the Netherlands has a social security agreement - for an employer based outside the Netherlands.
  • If you work as a civil servant for another country's embassy or consulate, or for an international organization such as NATO or the European Union. Your family members will only be insured if they work in the Netherlands or receive a Dutch social security benefit.
  • If you work for the government of another country or the government of the Netherlands Antilles or Aruba. 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. See working in two or more countries.
  • If you work in the Netherlands and you have a non-Dutch secondment certificate.
  • If you are studying in the Netherlands temporarily and are not employed.
  • If you are a family member of a person who works outside the Netherlands and you do not work or receive a Dutch social security benefit (only applies for AWBZ insurance).
  • If you receive a non-Dutch social security benefit (only applies for AWBZ insurance).
  • If you are a family member of a person who receives a non-Dutch social security benefit and you do not work or receive a Dutch social security benefit yourself (only applies for AWBZ insurance).
  • If you are a family member of a person who receives a pension or benefit from an international organization and you do not work or receive a Dutch social security benefit yourself (only applies for AWBZ insurance).

Source Sociale Verzekeringsbank

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