The following national insurance schemes apply to all persons living or working in The Netherlands:
General Old Age Pensions Act (AOW)
The AOW is a basic state pension for people who have reached their AOW pension age. If you live or work in the Netherlands, you will almost certainly be insured under the AOW scheme. AOW pension is paid by the SVB.
General Surviving Relatives Act (ANW)
If a spouse, partner or parent dies this will have financial consequences for the surviving partner and/or children. In accordance with the Surviving Dependants Act (ANW) surviving dependants may be eligible for a surviving dependants’ benefit. Orphans are also eligible for a benefit.
Long Term Care Act (WLZ)
If you need a lot of care or support on a daily basis, for example because of mental or physical limitations, you may qualify for care under the Dutch Long-term Care Act (Wlz).
The Health Insurance Act (ZVW)
Every person who lives or works in the Netherlands is legally obliged to take out standard health insurance to cover the cost of, for example, consulting a general practitioner, hospital treatment and prescription medication. You may also opt to take out additional insurance to cover costs not included in the standard package.
Child Benefit Act (AKW)
Child benefit is money from the government towards the expenses of raising a child. If you live or work in the Netherlands and you have a child or children under 18, you will get Dutch child benefit. Dutch child benefit is paid by the SVB.