Disability Insurance for Freelancers: Who Qualifies and What You Get
Learn how freelancers in the Netherlands can protect their income if they become unable to work due to illness or injury.
This insurance is designed to provide a financial safety net for self-employed individuals in the event they cannot earn an income due to health reasons.
Who it's for
This scheme is for freelancers who want to protect their income against the risk of being unable to work.
What you get
If you become unable to work because of an illness or an injury, you will receive a monthly payout to help cover your living expenses.
What it costs you
You pay a monthly premium to maintain your coverage. In the Netherlands, these premium payments are tax-deductible, which can help lower your overall tax burden.
The catch to know
The monthly premiums for this type of insurance can be very high. Because of this cost, many freelancers choose to join a "broodfonds"—a community fund where members pool money together to support one another—instead of buying private insurance.
How to apply
- Research different private insurance providers to compare rates.
- Evaluate whether a community fund might suit your budget better.
- Contact a regulated insurer to request a quote based on your specific situation.