I live abroad and am retiring. How will this affect my health insurance?
If you live abroad and are retiring or if you are already retired and are moving abroad, you may be required to take out health insurance via the CAK. This depends on where you live.
Countries with which the Netherlands has a reciprocal healthcare agreement
The Netherlands has reciprocal healthcare agreements with a number of countries.
Retiring in a country with a reciprocal healthcare agreement
If you live in a country with which the Netherlands has a reciprocal healthcare agreement and you receive one of the Dutch pensions below, you fall under the reciprocal healthcare agreement. You must register with the CAK and pay a monthly premium. You then have basic insurance coverage in accordance with the conditions that apply in the country where you live.
You do not have to transfer the health insurance premium to the CAK yourself. The CAK usually asks your pension fund to withhold this amount from your pension.
This is the case if you receive a Dutch pension under any of the following:
- General Old Age Pensions Act (AOW pension)
- Surviving Dependants Act (ANW)
- Flexible pension (early retirement) or KeuzePensioen scheme
Retiring in a country without a reciprocal healthcare agreement
If you live in a country with which the Netherlands does not have a reciprocal healthcare agreement or you do not receive one of the Dutch pensions above, you must take out health insurance in the country where you live.
If you are moving abroad
If you have any questions, please do not hesitate to contact us.