{"id":23682,"date":"2025-06-02T10:54:27","date_gmt":"2025-06-02T08:54:27","guid":{"rendered":"https:\/\/vanpasse.nl\/?p=23682"},"modified":"2026-09-14T18:34:29","modified_gmt":"2026-09-14T16:34:29","slug":"breadfund-self-employed","status":"publish","type":"post","link":"https:\/\/vanpasse.nl\/en\/kennisbank\/verzekeringen\/broodfonds-zzp\/","title":{"rendered":"Broodfonds: mutual sickness support for the self-employed"},"content":{"rendered":"

What is a bread fund?<\/strong><\/h2>\n

A bread fund is a collective of usually 20 to 50 entrepreneurs. Members agree to support each other financially in case of illness. Everyone puts money aside each month in their own account. This money stays yours. If a member falls ill, that person receives donations from the other members. The benefit runs for a maximum of two years. After that, support from the bread fund stops.<\/p>\n

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How does it work?<\/strong><\/h2>\n

You join an existing group or set up a new group together. You choose in advance what monthly income you want to receive in case of illness. Based on this, you pay a fixed amount into your own bread fund account every month. If you become ill, there is usually a waiting period of one month. After that, you receive monthly donations from the other members. If you recover, the donations stop immediately. If the illness lasts longer than 2 years, the bread fund no longer pays out.<\/p>\n

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What does a bread fund cost per month?<\/strong><\/h2>\n

At the gift level of \u20ac1,500 per month, Broodfonds states that a monthly contribution of \u20ac75 plus a \u20ac12.50 fee applies: a total of \u20ac87.50 per month. For a new group, you also pay a one-off registration fee of \u20ac225. For an existing group, the joining costs may vary. Checked on 14 September 2026 at Brood fund<\/a>.<\/p>\n

The deposit remains in your own account until donations are made from it; contributions and registration fees are something else. Therefore, do not compare this directly solely with the premium of an insurance policy. Choose a level that aligns with your income and the terms of participation.<\/p>\n

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Benefits of a bread fund<\/strong><\/h2>\n

A bread fund can be attractive for self-employed people looking for a simple and affordable solution. The system is transparent and clear.<\/p>\n