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.
- Bosnia and Herzegovina
- Cabo Verde
- Cyprus (Greek part only)
- Czech Republic
- France (including Guadeloupe, French Guiana, Martinique, Mayotte, St Martin and Réunion)
- The Netherlands
- North Macedonia
- Portugal (including Madeira and the Azores)
- Spain (including Ceuta, Melilla and the Canary Islands)
- United Kingdom (including Gibraltar)
Retiring in a country with a reciprocal healthcare agreement
Do you live in a country with which the Netherlands has a reciprocal healthcare agreement and you receive one of the Dutch pensions below? And do you no longer work in the Netherlands and do you not have your own company? Then 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.
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
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.