Register with the CAK

​If you emigrate, your Dutch health insurance will end. Do you still have a statutory pension or a benefit from the Netherlands? And are you moving to or living in a treaty country? You will then have to take out health insurance via the CAK. You're legally obliged to do that. So you don't have the choice to arrange a health insurance yourself. Your country of residence settles the healthcare costs with the Netherlands. You pay a healthcare contribution (a kind of premium) to us.

More information?

• Read more on your healthcare insurance and how to register on Moving abroad and your health insurance
• Read more on the mandatory healthcare contribution in Article 69 of the Healthcare Insurance Act (Zorgverzekeringswet - wetten.nl, only in Dutch)

Please check the following first: 

• Check whether you receive a statutory pension or benefit from the Netherlands. When you also receive a pension from your country of residence or still work there, you don't have to register with the CAK (because of prevailing rights). Are you not sure if that applies to you? Please contact us.
• Check whether you live or going to live in a treaty country.

There are 3 possibilities:

1. You live in or move to a country that is not a treaty country. Take out health insurance for yourself and moving family members in the country where you are going to live. You have nothing to do with the CAK.
2. You live in or move to a treaty country, but you do not receive a statutory pension or benefit from the Netherlands (yet). Take out health insurance for yourself and moving family members in the country where you are going to live. You have nothing to do with the CAK (yet).
3. You live in or move to a treaty country. And you receive a statutory pension or benefit from the Netherlands. Register with the CAK. 

Do you live in a treaty country? And are you receiving a statutory pension or statutory benefit from the Netherlands? If so, you need to apply for a document S1/form 121 from us. With the S1/121 you register with a healthcare fund in your country of residence. Only after registration you can use medical care in your country of residence. 

This depends on their situation:

• Are they receiving a statutory Dutch pension or benefit themselves? If so, they also have to apply for a document S1/form 121.
• Are they not receiving a Dutch pension, benefit or other income themselves? It may be possible to co-insure them. The health insurance fund in your country of residence will decide about this and will notify us. Are you living in the EU/EEA, Switzerland or United Kingdom? Then you can register your family members on your S1/121 application form. Are you living in another treaty country? In that case you will need to register your family members with the health insurance fund in your country of residence yourself.
• Do your family members still work in the Netherlands? If so, compulsory health insurance continues to apply and they must retain their Dutch health insurance. They will need an S1/106 to register with a health insurance fund in your country of residence. They can apply for this document from their Dutch health insurer.