I am going to live and work abroad. How will this affect my health insurance?
If you are going to live and work abroad, you cannot usually keep your Dutch health insurance. Whether you can keep your insurance depends on how long you will be abroad and what you will be doing there.
Less than 3 months
If you will be abroad for less than 3 months, you can keep your Dutch health insurance. Ask your insurer what coverage your policy offers outside the Netherlands and purchase supplementary insurance if necessary.
More than 3 months
If you will be living and working abroad for more than 3 months, you cannot keep your Dutch health insurance. Cancel your policy in the Netherlands and take out new insurance in the country where you will be living.
In certain cases you can keep your Dutch health insurance even if you will be living and working abroad for more than 3 months.
You are being posted from the Netherlands or work at a Dutch embassy or consulate
If you will be working abroad less than 24 months for a Dutch company or you work at a Dutch embassy or consulate, you can keep your Dutch health insurance. You will need an A1 form in the country where you will be living to show that you are insured. Apply for an A1 form from the Social Insurance Bank (SVB).
You work in the Netherlands and abroad
If you work in the Netherlands and abroad you may be able to keep your Dutch health insurance in certain cases. The SVB will determine this.
You or someone in your family is a deployed member of the Dutch military
If you are a member of the Dutch military who has been deployed abroad, you must have Dutch health insurance. However, this does not always apply to the family members living with you.
If you will be living in a country with which the Netherlands has a reciprocal healthcare agreement, your family members must register with an insurance provider in that country. When doing so, they will need an S1 form to show that they pay insurance premiums in the Netherlands. Apply for an S1 form from the CAK via the Defence organisation’s human resources department.
If the Netherlands does not have a reciprocal healthcare agreement with the country where you will be living, you and your family members must remain insured in the Netherlands.
If you have any questions, please do not hesitate to contact us.