Whether you have sickness insurance coverage depends on which country you live and work in.
Sickness insurance guarantees you an income if you cannot work due to illness. This could be your salary, which your employer continues to pay, or sickness benefit. Sickness insurance does not cover the cost of medical care. For insurance that does cover the cost of medical care, see health insurance outside the Netherlands.
What is your situation?
I live in the Netherlands
I live outside the Netherlands
If you live and work in another EU/EEA country or Switzerland, you are insured against loss of income due to illness in the country where you work.
If you live and work in a country with which the Netherlands has reciprocal agreements, in most situations you are insured against loss of income due to illness in accordance with the rules of the country where you work.
The following are situations in which you are insured in the Netherlands, even though you work in a country with which the Netherlands has reciprocal agreements:
- You have been working abroad for less than a year.
- You work abroad, but also in the Netherlands.
- You are employed in the international transport sector.
- You work at sea, such as in shipping, in fishing or on an oil rig.
- You are a civil servant posted to an embassy or consulate.
If you live and work in a country with which the Netherlands does not have any reciprocal sickness coverage agreements, you may still have Dutch sickness insurance coverage. For example, if you have compulsory insurance through your employer, which is the case if you work for an employer based in the Netherlands. You can also take out optional insurance to guarantee you’ll have an income if you become ill.
If you do not have compulsory or optional insurance in the Netherlands, you may be able to take out insurance in the country where you live and work. Consult the benefits organisation in that country to see what your options are.
Sickness benefit abroad
If you know where you are insured, check whether you qualify for sickness benefit outside the Netherlands.
If you are moving abroad
If you have any questions, please do not hesitate to contact us.