About us

Pensioenfonds Horeca & Catering is the occupational pension fund for the Dutch hospitality and catering industry. It is an industrywide fund with around 850,000 participants on the current or former payroll of some 36,000 employers. That makes Pensioenfonds Horeca & Catering one of the 10 largest pension funds in the Netherlands on both counts. Pensioenfonds Horeca & Catering provides past or present employees or their surviving dependants with a replacement income after retirement or death, and during periods of occupational disability.

Mandatory participation

Participation in Pensioenfonds Horeca & Catering was declared mandatory for the entire industry in 1964. That means all individuals or legal entities operating a hospitality or contract catering enterprise that is required to register with the Bedrijfschap Horeca & Catering are obliged to participate in the Fund.

Mandatory basic retirement pension

All employees aged 21 and upwards who have a service contract with an employer falling under the mandatory participation rule are required to join the basic Pensioenfonds Horeca & Catering pension scheme. That scheme provides for the accrual of a retirement pension.

Supplementary pension products

Pensioenfonds Horeca & Catering participants may choose to build up voluntary extra retirement pension rights and take out voluntary insurance for a surviving dependants’ pension. Employers can arrange for these supplementary products on a group basis by taking out a contract covering the entire workforce. But individual employees may opt to make their own arrangement with the Fund.