Insurance under the AOW scheme

If you live in the Netherlands, you will not be insured in the following situations:

• You work outside the Netherlands in a country of the European Union (EU ) or European Economic Area (EEA ) or in a treaty country and you do not have a posting certificate
• You work for a company outside the Netherlands in a country that is not a member state of the European Union (EU) or a treaty country.
• You work as a civil servant for an international organisation such as NATO (North Atlantic Treaty Organisation) or the EU. It is possible that your family members are insured in the Netherlands but this will depend 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 probably be insured
• 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.
  For more information, go to ‘Working in 2 or more EU countries’
• You work in the Netherlands and you have a posting certificate (certificate of coverage) from another country
• You are studying in the Netherlands temporarily and are not employed

If you live outside the Netherlands, you will still be insured in the Netherlands in the following situations:

• You are employed and pay tax and social insurance contributions in the Netherlands, and you do not have a posting certificate from another country
• You are self-employed in the Netherlands and generate profit from a Dutch enterprise which is subject to income tax
• You are a Dutch civil servant working outside the Netherlands for a Dutch embassy or consulate.
  • your family members will be co-insured with you unless they work outside the Netherlands and earn above the income tax threshold
• You are a Dutch civil servant working outside the Netherlands for another type of Dutch government institution
  • If you work outside the European Union (EU ), the European Economic Area (EEA ) or Switzerland, your family members will be co-insured with you unless they also work outside the Netherlands and earn above the income tax threshold
  • If you work in a country of the European Union (EU) or European Economic Area (EEA), or in Switzerland, your family members will not be insured as from 1 January 2024
• You work in international transport for a company based in the Netherlands and you transport goods or persons. If you live on board a vessel and you are insured in the Netherlands, your family members will be insured with you (co-insured) providing they also live on board. If you work most of the time in the country where you live, or if you work for your employer at a company branch located outside the Netherlands, you will not be insured in the Netherlands.
  For more information, go to ‘Working in 2 or more EU countries’
• You are staying outside the Netherlands temporarily to study and you do not work in that country
• You are receiving care in one of a number of care institutions outside the Netherlands, such as the Dutch Davos Asthma Centre

Make sure to keep any documents relating to your work in the Netherlands, such as annual statements, tax returns and tax assessments. We will need these documents to determine how much AOW pension you can get.

If you are going to work outside the Netherlands temporarily, it may still be possible for you to stay insured in the Netherlands.

If you have an income and you are insured under the Dutch national insurance system, you must pay wage tax and national insurance contributions . 

National insurance contributions are paid to the Dutch Tax Administration (Belastingdienst). If you work for an employer, your employer will deduct these contributions from your wages or salary.

Until 31 December 2023, if you had not paid the full amount of AOW contributions, the SVB could declare you ‘in default’. This has now changed.

Since 1 January 2024, no one can be declared in default for non-payment of Dutch national insurance contributions. Your AOW will no longer be reduced if you have not paid any or enough contributions. But you will still owe this money to the Dutch Tax Administration (Belastingdienst).

If you have any questions about your tax assessment, you should contact the Belastingdienst on 0800 0543 (from inside the Netherlands).

If you call from outside the Netherlands, dial +31 555 385 385.