Emigrating with early retirement? Right to CAK health insurance uncertain
The rules for health insurance through the CAK may change. This can have consequences for people with an early retirement who want to apply in the future. A final decision has not yet been taken. We expect more clarity at the end of September.
What's it about?
The European institutions have provisionally agreed to an amendment of Regulation 883/2004. This Regulation lays down the rules on the right to health insurance in the event of emigration. Registration for this health insurance is done via the CAK.
What may change?
If the change continues, new customers will only be entitled to health insurance through the CAK if they receive one of these pensions or benefits:
- AOW
- Anw (survivor's pension SVB)
- WAO or WIA
People with an early retirement pension, such as an RVU benefit or waiting allowance, will no longer be entitled to health insurance through the CAK. They must take out health insurance themselves until they reach the AOW age.
For whom is this important?
The new rules only apply to people with an early retirement pension who:
- are not yet a customer and
- live in or emigrate to an EU country.
What does this mean for existing customers?
For people who already have health insurance through the CAK based on an early retirement, nothing changes. They retain their current rights.