Over the last years, a number of relatively new insurances have been introduced. These private insurances cover the loss of income in case of unemployment, disability, or death. The additional Survivor Pension/Insurance has already been mentioned before, but there are two other insurances that need to be mentioned as well.

Even though the Dutch National Social Security and the Employee Social Security schemes (see below) provide a solid ‘vangnet’ (safety net), insurers and banks have introduced additional income insurances. The general idea behind these kinds of insurances is that if you become unemployed or disabled due to illness, your income and your standard of living (levensstandaard) should remain more or less the same. These insurances are often offered on taking out a mortgage, but pension providers also offer them. Before taking out such an insurance, expats should ask themselves what they intend to do in case of unemployment or disability (i.e. whether or not they will return to their country of origin) and where they will receive their national or employee benefits  

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