The Importance of Income Insurance for Highly Skilled Migrants (Expats)
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Income protection
As a highly skilled migrant (expat) benefiting from the 30% tax ruling, it is crucial to understand the importance of income insurance and its impact on your financial stability. Starting in 2025, the elimination of the partial tax exemption for boxes 2 and 3 means you will be fully subject to taxes on significant interests (box 2) and assets (box 3). This could lead to a significant reduction in your net income, potentially causing financial uncertainty.
Adequate income insurance, such as supplementary disability insurance (e.g., “WGA Hiaat”), can help mitigate these risks and ensure your long-term financial stability. Ignoring the need for income insurance could not only jeopardize your financial well-being but also create unnecessary vulnerability.
Protect your future by ensuring you have insurance tailored to your unique situation as a highly skilled migrant in the Netherlands.
Overview: Differences Between Worker Groups Starting 2025
| Feature | Expats with 30% Ruling (pre-2025) | New Expats (from 2025) | Dutch Worker/Local Resident |
|---|---|---|---|
| Box 1 (income tax) | Reduced due to the 30% ruling | Reduced due to the 30% ruling | Fully taxable |
| Box 2 (significant interest) | Not taxable (partial exemption)* | Fully taxable | Fully taxable |
| Box 3 (assets) | Not taxable (partial exemption)* | Fully taxable | Fully taxable |
| 30% Compensation | 30% of gross salary tax-free | 30% until 2026, then 27% | Not applicable |
| Salary Threshold for 30% | Lower threshold | Higher: €50,436 / €38,338 (<30 years) | Not applicable |
| Access to Income Insurance | Often more flexible | Potential higher premium due to taxes | Regular access and standard terms |
*The partial tax exemption for boxes 2 and 3 will be eliminated starting in 2025. Expats who entered before December 2023 will retain this exemption until the end of 2026 under transitional arrangements.
If you have questions or would like more information about income insurance tailored to the needs of highly skilled migrants, please do not hesitate to contact us. At Zaal Assurantiën, we are here to help you secure your financial future.
About Us – Zaal Assurantiën
Welcome to Zaal Assurantiën, your trusted partner in insurance and risk management. We stand for expertise, reliability, and tailored solutions. With years of experience in the insurance industry, we offer solutions that perfectly fit your personal and business needs. Whether it’s family insurance, business insurance, or risk management, we ensure you are fully protected against unforeseen circumstances.
Our Mission
At Zaal Assurantiën, everything revolves around security and peace of mind. Our mission is to take the burden off our clients by offering comprehensive insurance solutions tailored to their unique situation. We believe in a personalized approach, where we not only advise but also actively think along to help you manage and minimize risks.
Why Choose Zaal Assurantiën?
- Tailored Solutions: Every situation is different, which is why we develop insurance solutions that perfectly align with your specific needs.
- Expert Advice: Our team has extensive knowledge of the market and stays continuously updated on the latest developments to always provide you with the best advice.
- Personal Service: With us, you are not just a number. We value personal contact and ensure that you feel heard and understood.
- Accessibility: We are always available to answer your questions or provide immediate support when needed.
Our Specializations
At Zaal Assurantiën, we offer a wide range of insurance products and services, including:
- Family Insurance: Protection for everything you hold dear, from your home to your health.
- Business Insurance: Tailored solutions to protect your company against business risks.
- Risk Management: Proactive guidance in identifying, analyzing, and managing risks.
- Expat Insurance: Specific insurance solutions for expats, focusing on income protection and international security.
- Cyber Insurance: Specialized coverage against digital risks, such as data breaches and cyberattacks, to ensure your business continuity.
Our Values
At Zaal Assurantiën, trust, transparency, and commitment are central to everything we do. We strive to build long-term relationships with our clients, based on mutual respect and understanding. Your security is our priority.
Contact
Do you have questions or want to know more about our services? Feel free to contact us at info@zaalassurantien.nl or call us at 085-4011062. We are here to help!
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