As a freelancer you can absorb the risk of illness or an accident in various ways. Disability insurance is often very expensive. AOV Profs is a reliable alternative and offers a disability benefit for and by all freelancers in the Netherlands.
AOV Profs is an affordable and fair alternative to insurance. Together with other participants, you transfer a fixed amount every month to the AOV Profs account where your personal balance is kept.
If you become ill, you will receive a monthly donation from each participant after a waiting period of 2 months. This is possible for a period of 2 years, but also 5 years per clinical picture. But: you can of course participate in AOV Profs for as long as you want.
No fine print at AOV Profs. It is very simple: anyone can participate. Your age or how long you have been freelancers are not taken into account, there is no physical inspection required and no minimum wage. Even if you are now partially incapacitated for work, but still work, you can participate. Your medical history is not that important to AOV Profs if you are now back at work.
But beware: this facility is intended for shelter for incapacity for work that you cannot foresee in advance. AOV Profs works with an independent occupational health and safety service that assesses the percentage of your disability when you report sick.
Via Verloning.nl you do not pay registration costs at AOV Profs. Monthly pay 25 euros for administration costs and health and safety service. In addition, you deposit a fixed net amount per month for donations. What is not used for donations remains yours, unlike with insurance.
|Your deposit per month||Duration of donation per clinical picture||Your net donation per month in case of illness|
|€ 75||2 years||€ 1.000 (+ € 75 for deposit)|
|€ 150||2 years||€ 2.000 (+ € 150 for deposit)|
|€ 225||2 years||€ 3.000 (+ € 225 for deposit)|
|€ 350||5 years||€ 2.000 (+ € 350 for deposit)|