Personal insurance

Disability insurance
If you are self-employed and under 65 years old, you will need private ensurance for the risk of loss of income through disability. Contact the industrial insurance board or an insurance company.

Accident insurance
Accident insurance pays out a lump sum if you become partially or completely disabled as a result of an accident.

Pension insurance
Everyone in the Netherlands aged over 65 receives AOW, the Dutch old age pension. This is a basic pension. It is advisable to build up a supplementary pension through a pension insurance scheme.

Unemployment insurance
If you are in paid employment and become unemployed, you receive WW (unemployment) benefit. However entrepreneurs are not entitled to this. They cannot take out unemployment insurance for their own business!