Why JoHo Insurances?

JoHo Insurances is part of JoHo and focusses mainly on international insurances. We have gained a lot of knowledge and experience about different types of insurances and use this experience to advice people about insurances.

We are part of BONAPA which is the Dutch Au pair organisation, representing a lot of au pair agencies.

We offer all our clients assistance, also after they have arranged the insurance via us.

FAQ

1. Why has the SVB decided that the au pair is an employee?

Reasons for the SVB to decide that the au pair is an employee are: 

  • There is a relationship of authority, labour and wage in the in the relationship between au pair and host family. 
  • There are agreements about the receipt of a remuneration for the work the au pair does; taking care of the children and domestic work. 
  • The au pair follows the leads from the host family whilst performing this labour.
  • The elements that are required for employment are therefore present. 

2. If the au pair is considered to be an employee, does she need to pay income taxes? 

There is an official proclamation in which the State Secretary of Finance has determined that there is no need to collect premiums and taxes regarding social security. Basically the amount that could be collected from the au pair would be too low. The fact that the au pair does not pay income taxes, does however not mean that she is not obliged to have a basic health insurance ("basisverzekering"). 

3. How should I proceed when I get a letter from “het Zorginstituut Nederland”? 

The au pair is summoned to apply for the Basic Health Insurance ("basisverzekering"). To prevent a fine (for not meeting the requirements), we advice you to arrange the insurance in the period given in this letter. The application date is important for the actual start date of the basic health insurance.   

4. When should the au pair apply for the insurance and when does it need to start? 

The au pair has a period of 4 months, from the moment on that she becomes obliged to have the bsaic health insurance ("basisverzekering"). Officially the start date of her employment (the day she starts working as an au pair) should be the moment the insurance starts. Often the day she registered at the municipality will be taken as the start date of the basic health insurance.

In case the au pair doesn't arrange the basic health insurance soon, she could receive a letter from the Zorginstituut Nederland. In this letter a fine is mentioned when she continues to fail the requirements.

5. Is the au pair over-insured with both a basic health insurance and an au pair insurance? 

When the au pair insurance fully covers emergency medical expenses in The Netherlands and the au pair also has the basic health insurances, she is provided with two insurances that cover emergency medical care (since this is also included in the basic health insurance). However, with certain insurances it is possible to adjust the coverage of the au pair insurance, once the au pair is insured with the basic health insurance as well. In that case, the au pair insurance provides an additional cover for emergency medical expenses abroad and for the expenses of the deductible ("own risk") of the basic health insurance that you can claim with the au pair insurance (the combination of the basic health insurance and the ISIS Au Pair insurance/ Study in The Netherlands insurance)

6. Is the au pair eligible to receive healthcare allowance?

When the au pair has the basic health insurance ("basisverzekering") she is usually also eligible to receive healthcare allowance ("zorgtoeslag"). This depends on the situation and the income of the au pair. Since the income of au pairs is usually quite low, au pairs are most of the times eligible to receive healthcare allowance. An exception is the situation in which the au pair lives in a single-parent household. In this case, the problem occurs that both the income of the au pair and the host parent are taken into account, because they are considered as fiscal partners for tax purposes. Often the joint income will then be too high to still be eligible to receive healthcare allowance. You can find more information about the healthcare allowance on the website of the Belastingdienst (Tax and Customs Administration).

7. Why is an au pair who lives in a single-parent household not eligible to receive healthcare allowance?

Unfortunetely au pairs who live in single-parent households are often not eligible to receive healthcare allowance ("zorgtoeslag"). This is due to the regulations of the Belastingdienst (Tax and Customs Administration) that determine that an au pair and host parent are considered to be fiscal partners for tax purposes in this situation. Both the income of the au pair and the host parent are taken into account instead of only the income of the au pair. Often the joint income will then be too high to still be eligible to receive healthcare allowance. You can find more information about the healthcare allowance on the website of the Belastingdienst. If the request for healthcare allowance is rejected by the Belastingdienst, you can always lodge an objection. With our experience, we can help you to lodge and objection if you don't agree with the decision made. Contact us for more information.

8. When can the healthcare insurance be cancelled?

The basic health insurance (basiszverzekering) can (and must) be cancelled, once the au pair leaves and is not registered anymore in the municipality (BRP). It is recommended to request a proof of deregistration of the municipality. If the au pair also receives health care allowance, this also needs to be cancelled from the date the au pair leaves The Netherlands.

9. I found an au pair myself (instead of using an au pair agency), what should I do?

Maybe one of our partner au pair agencies can function as a referent for you. Please complete our contact form and we will do our best for you.

10. Do I need to open a bank account for the au pair?

The au pair needs an own bank account to be able to receive healthcare allowance ("zorgtoeslag"). The Belastingdienst (Tax and Customs Administration) only pays the healthcare allowance on the personal bank account of the person who is entitled to receive the allowance (irrespectively who pays the premium of the basic health insurance). The au pair therefore needs an own bank account in The Netherlands. 

11. Who is responsible for paying the premium of the basic health insurance?

There are no specific regulations concerning the payment of the premium of the basic health insurance ("zorgverzekering"). A lot of the times the au pair has not a Dutch bank account yet, the moment you apply for the basic health insurance. It is not unususal that firstly the host family pays the premium of the basic health insurance and the bank account number is adjusted later, so the au pair can pay the premium of the basic health insurance herself and receive the healthcare allowance ("zorgtoeslag").

12. How can I apply for the healthcare allowance?

You can apply for the healthcare allowance ("zorgtoeslag") online by filling in the requested information. To do this, we refer you to the website of the Belastingdienst (Tax and Customs Administration).

Arrange now:

Contact

JoHo Insurances

Main Office

Paviljoensgracht 18
2512 BP The Hague
The Netherlands
Phone: +31 88 3214563 
E-mail: aupair@joho.org

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