News item | 12-09-2025 | 15:00
The government is sending the bill for a mandatory basic insurance that protects self -employed persons against the risks of disability to the Council of State. The bill has been adjusted after criticism from, among other things, implementing organizations. 3/4 of the self -employed is now not insured against disability. They often find the costs too high. And a part cannot insure itself at all due to their age, medical condition or medical history. This bill ensures that they too get certainty about their income.
Minister Paul (Social Affairs and Employment): “An accident or illness can happen to all of us. And then you want a decent safety net. But many entrepreneurs now have no or only limited insurance. For others, insurance is not available or affordable. By introducing a basic insurance policy, and at the same time we give entrepreneurs to be fitting.”
Core of the bill
The Basic Insurance Basic Insurance for Disability Self-employed (BAZ) ensures that every self-employed person is insured until the state pension age. By making participation compulsory, risks can be shared and costs are kept relatively low. Independent entrepreneurs will then receive a benefit in the case of incapacity for work. Self -employed people can also choose to take out private insurance as an alternative, or to retain their current insurance.
Adjustments
A total of 2260 responses had been received on the internet consultation, from both individuals and companies and social organizations. UWV and the tax authorities were also critical of the feasibility. By adjusting the bill, the government meets the criticism. In the changed proposal, the waiting time is extended to 2 years, the costs for the entrepreneur are lower and there is an annual transfer time to possibly switch to a private insurer. Both UWV and the Tax Authorities indicate that the bill is feasible in this form under conditions.
Costs and waiting time
In the adjusted bill, the premium now comes to 5.4% of the profit made. Previously this was 6.5%. Based on the current minimum wage and the current expectation of the costs, this amounts to a maximum of € 171 gross per month. With a lower profit, the premium to be paid per month is also less. The waiting time is also extended to 2 years before someone receives a benefit. The benefit can then be more often based on definitive data from the tax authorities on income, so there is less chance of recovery. The 2 -year period also fits in with the 2 years in which the wages of sick employees are paid before they appeal to the WIA.
Private Insurance
Self -employed people can also choose to take out a private insurance themselves, provided that it meets certain conditions. They do not have to contribute to the basic insurance. To keep this feasible, an annual transfer moment comes from the public to private at the end of the calendar year, similar to how it is arranged with health insurance.
Self -employed who are also an employee
A solution has also been added for self -employed people who also work as an employee and are therefore already insured for disability. If they are already entitled to a disability benefit at the level of the minimum wage from the WIA, they do not have to pay a premium for the basic insurance for self -employed persons.