Thus, Dutch insurers welcome the sick and the elderly because they are fully compensated for the higher-risk profile of these clients. People living in more expensive areas of the country have to pay higher premiums, since they get less compensation from the government because they can afford to pay more but the elderly and the sick pay the same premiums as everyone else in that region. Social insurance covers the insurance costs of those with limited incomes, such as the unemployed and the permanently disabled.