Compulsory AOV in 2027 for freelancers: these are the benefits

Self-employed person? The government has announced that from 2027, there will be compulsory disability insurance (AOV) for all self-employed workers. An understandable step — something must be arranged if you lose weight for a long time. But the proposed arrangement is fairly standard and offers little room for customization. That is why it is wise to already delve into appropriate insurance that really suits your situation.

What does compulsory disability insurance include?

The main features of the scheme are now known:

• Mandatory from 2027

• Premium: 6.5% of your taxable profit (max. approx. €195 p/m)

• Benefit: only after 12 months of illness

• Height: 70% of your profit, up to the minimum wage

• No freedom of choice in coverage, waiting period or end age

For some entrepreneurs, this provides a basis, but for many it is insufficient.

What is the difference between compulsory and private AOV?

With a private AOV, you decide how you are insured. You choose your coverage, waiting time and duration — and benefit from faster security in the event of disability. Moreover, it is best to take out this insurance as long as you are still healthy.

Why arrange your AOV as a self-employed person now?

By taking action yourself before 2027:

• Determine the coverage, duration and waiting time yourself

• Can you receive benefits after just 1, 3 or 6 months?

• Are you less at risk of medical exclusions

• Is there more income to insure (up to 80% of the profit). This is in contrast to the mandatory AOV

• You may be eligible for exemption from the mandatory scheme

Case study: Jeroen arranged it on time

Jeroen (43), an independent installer, took out insurance through Van Loon in 2024. He chose:

• €3,000 allowance per month

• 3 months of waiting time

• Coverage up to state pension age

A year later, he became incapacitated for work due to a herniated disc. Thanks to his AOV, he quickly regained income. Without this insurance, he would have been without income for 9 months.

Van Loon helps freelancers move forward

As an entrepreneur, you want clarity and direction. Our advisors think along with you and help you choose disability insurance that's right for you — without the stress of choice or unclear conditions.

Van Loon specializes in AOV advice for freelancers and works completely independently. Thanks to our years of experience and personal approach, we quickly find a solution that really suits your situation.

Leave your details via the form and schedule an informal conversation. Then you know where you stand.