Do I have sickness insurance coverage outside the Netherlands?

If you live in the Netherlands and work in Belgium or Germany, go to Grensinfo.nl to find out where you are insured against loss of income due to illness.

• I work in Belgium (information in Dutch)
• I work in Germany (information in Dutch)

If you live in Belgium or Germany and work in the Netherlands, go to Grensinfopunt.nl to find out where you are insured against loss of income due to illness.

• I live in Belgium (information in Dutch)
• I live in Germany (information in Dutch)

If you are in employment and you do not perform a significant part of your work in your country of residence, then you are insured in the country where your employer's head office or company is located. For more information about social security abroad, visit Europa.eu.

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.

Exceptions

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.