If you’re a self-employed professional (zzp’er) in the Netherlands, protecting yourself against income loss due to illness or injury is essential. That’s where an AOV (Arbeidsongeschiktheidsverzekering)—or disability insurance—comes in. Based on data from aov-verzekeringzzp.com, here are the top AOV providers to consider:
1. Insify AOV
- Monthly premium (age 35): €152
- Insured amount: €2,500/month
Why it stands out:
- Low, fixed premium (20% discount in the first year)
- Tailored for freelancers and entrepreneurs
- No premium payments during payout periods
- Includes coverage for pregnancy
- No sign-up or service fees
- Flexible payout amounts and duration
2. ZZuper AOV
- Monthly premium (age 35): €58
- Insured amount: One-time payout of €150,000
Why it stands out:
- One-time payout instead of monthly
- Daily cancellation option
- No upfront fees
- Immediate payout upon claim
- Great flexibility and affordability
3. Centraal Beheer AOV
- Monthly premium (age 35): €200
- Insured amount: €2,500/month
Why it stands out:
- Choose between ‘AOV Compleet’ or ‘AOV Kort & Krachtig’
- €53.81 introductory discount
- Daily cancellation option
- One-time setup fee of €99
- Less predictable premium rates
4. Univé AOV
- Monthly premium (age 35): €255
- Insured amount: €2,500/month
Why it stands out:
- Choose your own coverage end age
- Up to 90% of income covered
- 60% discount in the first 5 years
- Includes pregnancy, parental leave, and caregiver benefits
- Personal support for prevention and reintegration
- One-time setup fee of €149
What to Consider When Choosing an AOV
- Premium vs. Coverage: Premiums depend on age, occupation, and coverage level. Find the right balance for your needs.
- Flexibility: Some providers let you adjust end dates, coverage amounts, or even cancel daily.
- Extra Benefits: Pregnancy coverage, rehab support, and discounts can be game-changers.
- Upfront Costs: Watch out for one-time setup fees that vary between insurers.
💡 Tip: Always compare multiple options and consider speaking with a financial advisor to pick the AOV that best fits your personal and business needs.
Disclaimer: This comparison was created using a fictional entrepreneur, Peter, a 35-year-old IT consultant, as an example. Peter wants to insure himself against disability and opts for a monthly benefit of €2,500. He chooses coverage until the age of 67 and accepts a waiting period of 3 months before the benefit starts in case of disability.
