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Where do I have to take out health insurance?

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.

Tip

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.

How do I register my family members with the CAK?

  1. Apply for a document S1/form 106 for yourself at your Dutch health insurance company.
  2. 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.
  3. 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.
  4. 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.

Please note

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.

More information

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

How do I unregister my family members?

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

Why do I have to pay a healthcare contribution for my family members?

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.