What are reciprocal healthcare agreements?
Reciprocal healthcare agreements are agreements between the Netherlands and other countries about medical care and the reimbursement of medical expenses. They apply to people who live abroad and receive a Dutch pension or benefit. They can also apply to family members of people who live abroad and work in the Netherlands.
The CAK is responsible for implementing these agreements.
People who fall under reciprocal healthcare agreements
Reciprocal healthcare agreements apply in the following situations:
- You live in a country with which the Netherlands has a reciprocal healthcare agreement and you receive a Dutch pension or benefit.
- You are a family member of someone who lives in a country with which the Netherlands has a reciprocal healthcare agreement and receives a Dutch pension or benefit.
They can also apply to family members of people who live abroad and work in the Netherlands (cross-border commuters).
Countries with which the Netherlands has a reciprocal healthcare agreement
The Netherlands has reciprocal healthcare agreements with a number of countries.
Pension and benefit schemes that fall under reciprocal healthcare agreements
Reciprocal healthcare agreements apply to people who receive a Dutch pension or benefit under at least 1 of the following:
- General Old Age Pensions Act (AOW pension)
- Surviving Dependants Act (ANW)
- Flexible pension (early retirement) or KeuzePensioen scheme
- Bridging scheme (OBR)
- Invalidity Insurance Act (WAO), Work and Income (Capacity for Work) Act (WIA) or Incapacity Insurance (Self-employed Persons) Act (WAZ)
- Work and Employment Support (Young Disabled Persons) Act (Wajong)
- Redundancy pay scheme (WW+) for military personnel and civil servants
Family members of cross-border commuters
Who exactly is considered to be a family member varies by country. For example, in some countries you must be married to your partner to fall under a reciprocal healthcare agreement. In other countries that is not necessary. Ask your local health insurer for information on who exactly is considered a family member.
Registering with the CAK
If a reciprocal healthcare agreement applies to you, you must register with the CAK to arrange your health insurance abroad.
If you have any questions, please do not hesitate to contact us.