I am moving abroad but will continue to work in the Netherlands. How will this affect my health insurance?
If you work in the Netherlands, you must have Dutch health insurance. Even if you live abroad. You can therefore just keep your Dutch health insurance. If you live in a country with which the Netherlands has a reciprocal healthcare agreement, you have to register with a local insurance provider there via your Dutch health insurer.
However, it is a good idea to ask your health insurer how you are covered abroad.
Medical care abroad
The Netherlands has reciprocal healthcare agreements with a number of countries.
A
- Austria
B
- Belgium
- Bosnia and Herzegovina
- Bulgaria
C
- Cabo Verde
- Croatia
- Cyprus (Greek part only)
- Czech Republic
D
- Denmark
E
- Estonia
F
- Finland
- France (including Guadeloupe, French Guiana, Martinique, Mayotte, St Martin and Réunion)
G
- Germany
- Greece
H
- Hungary
I
- Iceland
- Ireland
- Italy
L
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
M
- Malta
- Montenegro
- Morocco
N
- The Netherlands
- North Macedonia
- Norway
P
- Poland
- Portugal (including Madeira and the Azores)
R
- Romania
S
- Serbia
- Slovakia
- Slovenia
- Spain (including Ceuta, Melilla and the Canary Islands)
- Sweden
- Switzerland
T
- Tunisia
- Türkiye
U
- United Kingdom (including Gibraltar)
You live in a country with which the Netherlands has a reciprocal healthcare agreement
If you live in a country with which the Netherlands has a reciprocal healthcare agreement, you can register with a local insurance provider there via your Dutch health insurer. You will need an S1 form to show that you pay an insurance premium in the Netherlands. You can apply for an S1 form from your Dutch health insurer.
The Netherlands does not have a reciprocal healthcare agreement with the country you live in
If the Netherlands does not have a reciprocal healthcare agreement with the country you live in, ask your Dutch health insurer how you are covered there.
Health insurance for family members
Your family members can only keep their Dutch health insurance if they also work in the Netherlands. If you live in a country with which the Netherlands has a reciprocal healthcare agreement, in some cases, you may be able to have family members on your insurance plan. In that case, you must pay an insurance premium to the CAK.
If you live in a country with which the Netherlands has a reciprocal healthcare agreement, notify your health insurance provider in the country where you live that you have family members. Your insurance provider will determine whether they can be insured on your plan.
If you do not live in a country with which the Netherlands has a reciprocal healthcare agreement or if your local insurer has determined that your family members cannot be insured on your plan, take out health insurance for them in the country where you live.
How can I arrange health insurance abroad?
What you also need to arrange if you’re going to move abroad
Contact
If you have any questions, please do not hesitate to contact us.