I live abroad and receive a Dutch benefit. How will this affect my health insurance?

If you live abroad and receive a Dutch benefit or you receive a Dutch benefit 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.

Receiving a Dutch benefit 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 benefits 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 the organisation that pays the benefit to withhold this amount.

This is the case if you receive a Dutch benefit under any of the following:

  • Bridging scheme (OBR)
  • Incapacity Insurance (Self-employed persons) Act (WAZ)
  • Invalidity Insurance Act (WAO)
  • Redundancy pay scheme (WW+) for military personnel and civil servants
  • Surviving Dependants Act (ANW)
  • Work and Income (Capacity for Work) Act (WIA)
  • Work and Employment Support (Young Disabled Persons) Act (Wajong)

How can I arrange health insurance via the CAK?

Receiving a Dutch benefit 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 benefits above, you must take out health insurance in the country where you live.

How can I arrange health insurance abroad?

Contact

If you have any questions, please do not hesitate to contact us.

See also