Overview social security, provisions and insurance

The concept of social security is a collective term for benefits, provisions and forms of insurance. Some of these are obligatory and apply generally or to a specific group, others are voluntary. Social insurances can be divided into national insurance schemes, that apply to all Dutch inhabitants, and employed persons insurance schemes, that only apply to employed people.

Social security scheme

Social security Regulation Contribution
National insurance: for everyone living in the Netherlands AOW, ANW, WLZ, AKW Tax office
Employees insurance: for employees WW, ZW, WIA, WAZO through wages
Right to basic medical care Zvw Health care insurer + income-related contribution
Provisions Regulation Contribution
Social welfare: under certain conditions Participatiewet, Wajong, IOAZ, Bbz, TW none
For employees pension through wages
For self-employed pension self arranged

Income in case of illness and occupational disability for employees and self-employed people

There are different provisions for self-employed people and employees. Here is a schematic comparison of provisions that apply in case of unemployment, illness and occupational disability

Type of provision Employer / artist working via 'artiestenregeling' Self-employed
Income in case of unemployment, WW Yes, if the eligibility requirement is met No, must arrange themselves
Income in case of illness, ZW Yes, continued payment of wages by the employer or through the ZW No, must arrange themselves
Income in case of occupational disability, WIA Yes, under certain conditions, through the WIA No, must arrange themselves


There are, especially for the self-employed, a number of things that you have to arrange yourself. This can be done through various types of insurance. You generally have to arrange these yourself, even though some are required by law. Think of liability insurance to study or disability insurance for the self-employed to insure income if you can no longer work.