Disability Insurance (AOV): Who Qualifies and What You Get
Learn how self-employed individuals in the Netherlands can protect their income through AOV insurance if they become unable to work.
Disability Insurance (AOV) is a way for self-employed people to protect their earnings if they become unable to work due to illness or injury.
Who it's for
This scheme is specifically for self-employed individuals who want to secure their financial future.
What you get
If you are unable to perform your work, this insurance provides income protection to help cover your living expenses during that time.
What it costs you
You pay monthly premiums to keep your coverage active. The exact amount you pay depends on the level of coverage you choose.
The catch to know
Because this is a private insurance product, the monthly premiums can be quite high. Many freelancers choose to skip this coverage to save money, but doing so leaves you without a financial safety net if you cannot work.
How to apply
- Research different private insurance providers to compare costs and coverage levels.
- Select a coverage amount that matches your necessary living expenses.
- Complete an application and medical assessment with your chosen insurer.
- Set up your monthly premium payments.