Exceptions to AOW Voluntary Insurance Abroad for Delft Residents

The AOW voluntary insurance has various exceptions that are crucial for residents of Delft who emigrate. For example, if you move from Delft to a treaty country such as Australia or Canada, automatic coverage often applies without voluntary premium payment. For non-treaty countries such as Thailand or the US, voluntary insurance is mandatory to prevent gaps, especially relevant for Delft residents with international connections via TU Delft. An important exception is 'fictitious insurance' for those who lived in the Netherlands, including Delft, before 1951 and emigrated. EU citizens also benefit from more lenient rules under Regulation 883/2004, handy for expats from Delft moving to other EU cities. If you are absent for longer than six months, you risk losing entitlement, unless you submit an application to the SVB in time – check this at Delft city hall for local support. Important: with dual nationality, your right may lapse if you declare another country as your country of residence. Practical advice for Delft residents: check your situation via the SVB counter or the municipality of Delft. If you exceed the reference date (five years before AOW age), you must still pay premiums, sometimes retroactively. These exceptions prevent financial surprises and safeguard your pension rights, even if you miss Delft.