Family members of employees
You work in the Netherlands and you live abroad. Or your family members live abroad without you. Because of your work, you are obliged to take out health insurance in the Netherlands. This does not apply to your family members. But sometimes you can 'co-insure' them. This means they are entitled to medical care in your country of residence at the expense of the Netherlands. You then pay a healthcare contribution for your co-insured family members to the Netherlands. The CAK collects this contribution.
If you work in the Netherlands, you must take out health insurance with a Dutch health insurer. You can choose a health insurance provider yourself. Each health insurer is obliged to accept you for the basic health insurance.
Healthcare in your country of residence
Do you want to use healthcare in your country of residence? For example consulting a GP or the hospital? Then apply for a document S1/form 106 from your Dutch health insurance company. This document allows you to register with a health insurance fund in your country of residence. You will then receive the same healthcare as other insured residents in your country of residence.
Do you work in the Netherlands and in the country where you live? Please check with the Sociale Verzekeringsbank (SVB.nl) in which country you have to take out health insurance.
- Apply for a document S1/form 106 for yourself at your Dutch health insurance company.
- Submit the document/form to a local health insurance fund in the country where you and your family members live. Register your family members with the health insurance fund. You do not need a separate document/form for your family members.
- The health insurance fund determines which family members can be co-insured and will notify us. From that moment on, your family members are registered with us as being co-insured with you. You and your co-insured family members receive the same basic healthcare as the residents of your country of residence.
- You have to pay a healthcare contribution to the CAK for your co-insured family members of 18 years and older. You will receive a letter from us confirming this.
Does the local health insurance fund determine that your family members cannot be co-insured? Please ask in the country of residence about the possibilities for health insurance for your family members.
You will only receive a document S1/form 106 if you live in a treaty country, with the exception of Serbia, Bosnia and Herzegovina and Montenegro. Do you live in one of these 3 countries or in a non-treaty country? Please ask in your country of residence how to take out health insurance for your family members.
Read more on I work in the Netherlands and live abroad
Learn what else you need to think about besides health insurance at Netherlandsworldwide.nl
Is your co-insured family member getting married or starting a job? Then he or she usually has an own right to health insurance. Notify this change to the health insurer in the country of residence as soon as possible. You will then no longer have to pay a healthcare contribution for this family member. We can only implement this once we have received confirmation from the health insurer in the country of residence.
I don't live with my family members abroad. How can my family members receive medical care in their country of residence?
You can co-insure your family via the CAK, but only if you meet the following conditions:
- You have your own health insurance under the Dutch Zorgverzekeringswet (Health Insurance Act) with a Dutch health insurer.
- Your family lives in a treaty country.
- Your family members do not have their own health insurance.
Read how you can co-insure your family at I live in the Netherlands, my family members abroad
If your family members live abroad, in certain situations you need ‘co-insure’ them for healthcare through the CAK. You are obliged to do so if they live in a treaty country and have no income themselves. Their country of residence settles the healthcare costs with the Netherlands. You pay a healthcare contribution (a kind of premium) for your family members to us.
- Read more on co-insuring your family members on I work in the Netherlands and live abroad or I live in the Netherlands, my family members abroad
- Read more on the mandatory healthcare contribution in Article 69 of the Healthcare Insurance Act (Zorgverzekeringswet - only in Dutch) (wetten.nl)
Entitlement to healthcare
Your family members are entitled to medical care according to the laws in your country of residence. You can ask the health insurance fund where you register, which treatments and medicines are covered. Costs incurred by your family members in your country of residence can only be claimed from the health insurance fund in their country of residence. You cannot claim those costs from us.
If you are incurring healthcare costs for yourself in your country of residence, you can claim them from your health insurance fund in the country of residence. You can also claim those costs from your Dutch health insurance company. Your Dutch health insurance also covers costs abroad. More information about this you'll find in the terms of your healthcare policy.
Read more on I work in the Netherlands and live abroad
Your family members live in a country of the EU, of the EEA, in the United Kingdom or in Switzerland
Your family members are entitled to medically necessary care in other EU/EEA countries, Switzerland and the United Kingdom. For example, when they are there on vacation. They do need an EHIC (European health insurance card) for this. They can apply for an EHIC online. The EHIC is not valid in their country of residence. There they can simply use the local health insurance card. Are they going on holiday to countries outside the EU/EEA, Switzerland or the United Kingdom? Then take out extra insurance or travel insurance.
Planned medical treatment in another country
Does your family member travel to another country specifically for medical treatment? Then read the information on the page I want to go to abroad for medical treatment.
Your family members live in another treaty country
Do your family members not live in an EU/EEA country, Switzerland or the United Kingdom? Then they are not entitled to an EHIC. And therefore also not entitled to the reimbursement of necessary medical care or medical treatment in other countries. To cover medical costs when staying in other countries, you should take out additional insurance or travel insurance.
Do your family members live in an EU/EEA country, Switzerland or the United Kingdom? They are then entitled to medical care in the Netherlands. This is healthcare that is included in the Dutch basic health insurance package. They can show their European Health Insurance Card (EHIC) to the doctor or hospital. Do they not have an EHIC yet? If so, they can apply for an EHIC online.
Read more on I want to go to the Netherlands for medical treatment
Or visit the website of Zilveren Kruis to see which healthcare is refunded and which steps you need to take (only in Dutch).
Each year in December you will receive an invoice for the healthcare contribution for your family members for the upcoming year. In February or March (at least before 1 April) you will receive an annual statement for the past year. This will state whether you have paid too much, too little or exactly the right amount.
Do you have other questions about financial matters, like how much healthcare contribution you will have to pay?
Frequently asked questions
The Netherlands has made agreements with a number of countries on medical care in case of emigration. These countries are called ‘treaty countries’.
- EU/EEA countries plus Switzerland and the United Kingdom
- a few countries outside the EU/EEA
The healthcare contribution can be compared to the health insurance premium. You pay this contribution if your family members are entitled to medical care in their country of residence at the expense of the Netherlands. Your country of residence will settle the costs of their medical care with the Netherlands. The CAK collects, on behalf of the Netherlands, the healthcare contribution, which is sometimes referred to as the Zvw-contribution or foreign contribution.
The costs of healthcare abroad are often lower than they are in the Netherlands. One country may have a more extensive statutory healthcare package than another. In some cases that means that healthcare is more expensive in that country, but generally the healthcare in your country of residence is cheaper. We refer to the ratio between the costs in the two countries as the country of residence factor.
We use the country of residence factor to adjust the healthcare contribution according to the size and costs of healthcare in your country of residence (country of residence package). The Minister for Health, Welfare and Sport determines the country of residence factor annually for the treaty countries. If healthcare in your country of residence becomes more expensive, the country of residence factor also increases. You then have to pay a higher healthcare contribution for your family members.
A country of residence package is a package of healthcare facilities and services your family members are entitled to in their country of residence. By healthcare services, we mean, for example, costs of the general practicioner, medicines and hospitalisations. Each country has a different country of residence package.
The coverage of the country of residence package is the same as the statutory healthcare package in that country. In the Netherlands, for example, this is the basic health insurance. Your family members are therefore entitled to reimbursement of the same healthcare as other residents of that country. They also have the same duties: if your country of residence has an own risk or contribution, the same applies to them.
Has your relative passed away? We are sorry for your loss. We understand that there is a lot to deal with and that you might have questions. That is why we have made an overview with information for relatives. You can read here what you need to arrange, where you need to go and what you can expect from us. Do you prefer personal contact or do you have any additional questions? Please contact us at + 31 88 711 5551. Or send us an e-mail via the online contact form.