Health insurance abroad

Almost everyone living and/or working in the Netherlands is insured under the acts 'Wet langdurige zorg (Wlz)' and 'Zorgverzekeringswet (Zvw)' to cover the costs of healthcare. That remains the case if they travel abroad on holiday. If you live, work or study abroad, your personal situation determines whether you are still insured in the Netherlands. You will find further information below.

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Are you planning to go on holiday? Or are you travelling within Europe for a different reason? Don't forget to bring your European Health Insurance Card (EHIC). With the EHIC you will get medically necessary care if you get ill while staying in another European country. The card is valid in the Netherlands, but not in your country of residence. You can apply for the 2022 EHIC starting October 15.

Apply for an EHIC

Everyone registered with us as a treaty-entitled person and living in the EU, Liechtenstein, Norway, Iceland, Switzerland of the United Kingdom can apply for an EHIC with us. You do so by filling out the online application form. You will receive the card within 3 weeks by mail. There is no extra charge.

More than 2 years with the CAK? 

Have you applied for the EHIC with us for the last 2 years? Then the new card for 2022 will be sent automatically to you in October. You don't have to apply yourself.

Healthcare with the EHIC

The EHIC is only valid in the EU, Liechtenstein, Norway, Iceland, Switzerland or the United Kingdom. You cannot use the EHIC in your country of residence. You will receive only medically necessary care with the EHIC. We advise you to take out additional or travel insurance for extra care.

Read more about the CAK EHIC

 

Do you live abroad and want to be vaccinated against corona virus in the Netherlands? It can be done under certain conditions. Read more about this on the website of the national government. It also tells you how to make an appointment for the corona vaccination.
 

The United Kingdom (UK) officially left the European Union (EU) on 31 January 2020. This is what we call the Brexit. Until 1 January 2021, the UK continued to comply with all EU laws and agreements. After this transitional period, new rules have been introduced. What this means for the medical care of existing and new CAK customers in the UK, we will explain here.

Read more on what changes from January 2021

Ouders die zijn gedupeerd door de problemen met de kinderopvangtoeslag hoeven schulden bij overheidsinstanties niet meer te betalen. Het kabinet wil dat deze ouders een nieuwe start kunnen maken in hun leven. Het CAK geeft hier ook gehoor aan.
 
Heeft u zich gemeld bij de Belastingdienst Toeslagen als gedupeerde en heeft u schulden voor de verdragsbijdrage? Dan ontvangt u een brief van ons. Daarin leest u hoe het verder gaat.
 
Heeft u in de tussentijd vragen? Bekijk de veelgestelde vragen of neem contact met ons op. Wij helpen u graag.

Bekijk veelgestelde vragen over de kinderopvangtoeslag en de verdragsbijdrage

Do you pay a healthcare contribution as a pensioner or benefit recipient? Then the annual statement for 2020 will soon be in your mailbox.

Before 30 September

We make sure that the annual statement will be with you before 30 September 2021. Have you not received an annual statement from us in October? Then get in touch with us.

More information

Answers to frequently asked questions and an explanation of the calculation can be found at Annual statement pensioners and benefit recipients.
 

Pensioners who emigrate to or live in a treaty country

If you no longer live or work in the Netherlands, you can no longer have Dutch health insurance.

There are 3 possibilities:

  1. Are you moving to a country that is not a treaty country? Arrange health insurance for yourself and any family members who are moving with you in your new country of residence. In this case you do not need to have any contact with the CAK.
  2. Are you moving to a treaty country, but are not (or not yet) receiving a statutory pension or benefit? Arrange health insurance for yourself and any family members who are moving with you in your new country of residence. At this stage you do not need to have any contact with the CAK.
  3. Are you receiving a statutory pension and are you moving to a treaty country? Then you have to Apply for a document S1/form 121. If you are entitled, we will send you the document S1/form 121. With the S1/121 you can register with a health insurance company in your country of residence. Only after registration can you use medical care in your country of residence.

Read more about health insurance and moving abroad

If you emigrate, your Dutch health insurance expires. Are you still receiving a statutory pension or benefit from the Netherlands and are you moving to or do you live in a treaty country? Then you must insure yourself for medical expenses through the CAK. You are legally obliged to do so. You do not have the choice to arrange your own health insurance. Your country of residence covers the care costs with the Netherlands. You pay a healthcare contribution (similar to a health insurance premium) to us.

More information

Read more on moving abroad and your health insurance
Read more on the obligated healthcare contribution in article 69 of the Zorgverzekeringswet (Dutch only)

You pay a healthcare contribution to the CAK. This contribution comprises:

  1. The fixed contribution under the Healthcare Insurance Act (Zvw). This contribution is determined annually by the Minister for Health, Welfare and Sport.
  2. Income-dependent contributions. The percentages for these correspond to what you would have to pay on your income in the Netherlands. You pay these contributions on the income you receive from the Netherlands and any income from another country.

Read more about the cost of your contribution

The Netherlands has various treaties with other countries. However, we only have agreements with the following countries relating to medical care in the event of emigration:

  • EU countries
  • EEA countries
  • treaty countries outside the EU/EEA

We refer to these countries as ‘treaty countries’.

Read on for an overview of the treaty countries

You have to Apply for a document S1/form 121. If you meet the conditions, we will register you as a treaty-entitled person. We will then send you the S1/E121, which you can use to register with a local health insurance fund.

At Apply for a document S1/form 121 you will find more information on what conditions you have to meet and what you can expect.

Did you receive a document S1/form 121 from us? Then take this document to the health insurance fund in your country of residence.

Register at the health insurance fund

You first apply to the health insurance fund in your new place of residence or country of residence. In some countries, this may also be another body. The leaflet accompanying the document S1/form 121 shows which health insurance fund (or body) is in your country. 

If you have registered with the health insurance fund, we will be notified of this. 

Exception: For some countries we arrange your registration directly with the health insurance fund there. You don't have to do anything yourself. You will receive a letter from us.

Tip

It is useful to first request information from the health insurance fund in your new country of residence. They can tell you if you need additional documents or information.

Read more about getting medical care abroad

Do you live in a treaty country? If so, you are entitled to medical care in accordance with the laws of that country if you have an S1/E121. You can find out which treatments and medicines will be refunded from the health insurance fund you register with. Any costs you incur in your country of residence must be claimed from your health insurance fund in that country. You cannot claim those costs from us.

A healthcare benefit is a contribution towards the costs of your health care insurance. Whether you receive a healthcare benefit depends on your and your partner’s income. You apply for a healthcare benefit to the Tax and Customs Administration in the Netherlands. They will also take the country of residence factor into account. If you live in a country with a low country of residence factor, you will probably not be entitled to a healthcare benefit.

See the Tax and Customs Administration website (Belastingdienst.nl) for the conditions and more information.

NB: Co-insured children aged 18 and above can apply for a healthcare benefit independently.

The EHIC entitles you to necessary medical care in EU/EEA countries and Switzerland. You cannot use the EHIC in your country of residence.

Do you live in an EU/EEA country or Switzerland? Apply for an EHIC

Read more about medical care in another EU country

If you do not live in an EU/EEA country or Switzerland, you are not entitled to an EHIC. To cover any medical costs incurred while you are staying in these countries, it makes sense to take out extra insurance or travel insurance.

Do you live in an EU/EEA country or Switzerland? If so, you are entitled to medical care in the Netherlands. This concerns care that forms part of the Dutch basic package. You can show the care provider the EHIC that you received from us. Do you not yet have an EHIC? Apply for an EHIC online.

Do you want more information?

You can find out more at I want to go to the Netherlands for medical treatment

Or visit the website of the Zilveren Kruis to see what care is refunded and what steps you need to take

When am I not entitled to care in the Netherlands?

Do you not live in an EU/EEA country or Switzerland? In that case you are not entitled to an EHIC. That means you cannot use an EHIC to receive medical care in the Netherlands. You will need to take out extra insurance or travel insurance to cover medical costs incurred during your stay in the Netherlands.

Do you need to pay a healthcare contribution to us? If so, we will ask the Employee Insurance Agency (UWV) whether you are receiving an income from a Dutch employer or organisation. UWV keeps a central record of everyone with an income. An income can take the form of a salary, pension or benefit.

Once we know who you are receiving an income from, we will ask your pension fund (or benefits agency) to deduct the contribution from your income. Your pension fund (or benefits agency) will then transfer your healthcare contribution to us.

One of your Dutch pension funds or benefits agencies will deduct the fixed contribution every month for you and any family members aged 18 and above who are included under your policy.

All your pension funds or benefits agencies will also deduct the income-dependent contributions from your pension or benefit.

The final annual statement shows your final healthcare contribution. We can make a final annual statement as soon as we get your world income from the Dutch Tax Administration. You will receive the annual statement for the previous year before 30 September each year. Haven't we received any information from the tax authorities yet? Then you'll get a provisional annual statement instead of a final one.

You will receive an annual statement from us. We will send this out after the end of the calendar year. This annual statement will include a summary of the contribution due from you and of the amounts you have paid.

  • Have you overpaid? If so, you will receive a refund.
  • Have you underpaid? In that case you will have to make an additional payment.

We also apply tax credits in the annual statement.

For more information please see Financial information for treaty-entitled persons.

That depends on their situation:

  • Are they receiving a pension or benefit themselves? If so, they also have to Apply for a document S1/form 121.
  • Are they not receiving a pension, benefit or income themselves? It may be possible to include them under your policy. The health insurance fund in your country of residence will decide and let us know. If you are living in the EU/EEA, Switzerland or United Kingdom you can register your family members on your S1/121 application form. Are you living in another treaty country? Then you will have 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/E106 to register with a health insurance fund in your country of residence. They can apply for this from their Dutch health insurer.

Do you want to go to work or start your own business (for example a B&B) in your country of residence or the Netherlands?Then you must report this to us, even if you also receive a pension or benefit. We will look into the consequences for your treaty-entitlement and health insurance. Read more about the consequences for your social insurance at the SVB website.

Visit Netherlandsworldwide.nl and see what you need to think about in addition to health insurance if you are going to live, work or travel abroad.

Working in the Netherlands and living abroad

If you work in the Netherlands, you have to take out health insurance with a Dutch health insurer. You can decide on a health insurer of your choice. All health insurers are obliged to accept you for basic insurance cover.

NB: Do you work in the Netherlands and also in your country of residence? In that case ask the Sociale Verzekerings Bank (SVB) in which country you need to take out insurance.

If your family members no longer live or work in the Netherlands, they can no longer have Dutch health insurance. In some cases they can be co-insured under your policy in their country of residence. That is only possible, however, if they live in a treaty country.

Read more about getting medical care in your country of residence

The Netherlands has various treaties with other countries. However, we only have agreements with the following countries relating to medical care in the event of emigration:

  • EU countries
  • EEA countries
  • treaty countries outside the EU/EEA

We refer to these countries as ‘treaty countries’.

Read on for an overview of the treaty countries

Do your family members live in an EU/EEA country or Switzerland? If so, they are entitled to medical care in the Netherlands. This concerns care that forms part of the Dutch basic package. They can present their European Health Insurance Card (EHIC) to the doctor or hospital. Do they not yet have an EHIC? In that case they can apply for an EHIC online.

Read more about family treatment in the Netherlands

For family members aged 18 and above you pay a healthcare contribution to the CAK. This is a fixed contribution under the Healthcare Insurance Act (Zvw). This contribution is determined annually by the Minister for Health, Welfare and Sport.

The healthcare contribution is adjusted using the ‘country of residence factor’, as the costs of medical care differ from one country to another. What you ultimately pay therefore depends on the country you live in.

Read more on costs of medical care for family members

Do your family members live in a treaty country and are they registered with a health insurance fund there? If so, they can ask that fund about the treatments and medicines that can be refunded.

Your family members do not have Dutch health insurance. This means that any healthcare costs they incur in their country of residence can only be claimed from the health insurance fund in that country. You cannot claim those costs from us.

Read more about living in a treaty country yourself

Do your family members not live in an EU/EEA country or Switzerland? In that case they are not entitled to an EHIC. That means they cannot use an EHIC to receive medical care in the Netherlands. You will need to take out extra insurance or travel insurance to cover medical costs incurred during their stay in the Netherlands.

A healthcare benefit is a contribution towards the costs of your Dutch health insurance. Whether you receive a healthcare benefit depends on your and your partner’s income. You may also be able to receive a healthcare benefit for your partner if your partner is included under your policy and is registered with us.

Your co-insured children aged 18 and above can apply for a healthcare benefit independently. See the Tax and Customs Administration (Belastingdienst.nl) website for the conditions and more information.

We send you an invoice at the beginning of each year. If your family members are included under your policy in the course of a year, you will receive an invoice as soon as we have registered your family members.

The invoice will indicate the names of your family members and the healthcare contribution you have to pay for them. The annual amount is spread over the remaining months of the year. That means you pay the contribution to us in instalments.

Read more about paying the contribution for family members

If your family members no longer live or work in the Netherlands, they can no longer have Dutch health insurance. In some cases they can be insured under your policy in their country of residence. That is only possible, however, if they live in a treaty country.

Read more about medical care for your family members abroad

The European Health Insurance Card (EHIC) entitles your family members to necessary medical care in EU/EEA countries and Switzerland, if they are there on holiday for example. If your family members live in an EU/EEA country or Switzerland, they can apply to us for an EHIC online. They cannot use the EHIC in their country of residence.

Read more on medical care for family members in other EU countries

Yes, you can. If you have received an annual statement from us and have to make an additional payment, you can apply for an arrangement with us for the settlement of this sum.

You will receive an annual statement from us within 3 months of the end of a calendar year. That means you will receive it by 1 April at the latest. This annual statement will include a summary of the healthcare contribution you have paid and of the amounts still due from you.

  • Have you overpaid? If so, you will receive a refund.
  • Have you underpaid? In that case you will have to make an additional payment.

Visit Netherlandsworldwide.nl and see what you need to think about in addition to health insurance if you are going to live, work or travel abroad.

Do your family members not live in an EU/EEA country or Switzerland? In that case they are not entitled to a European Health Insurance Card (EHIC). To cover any medical costs incurred while you are staying in those countries, you need to take out extra insurance or travel insurance.

NB: You can obtain an EHIC yourself from your health insurer, as you have Dutch health insurance. With this EHIC you are entitled to medical care in other EU countries.

Pensions and benefits that entitle you to an S1/121

You are receiving a statutory pension or benefit if you are being paid one of the following pensions or benefits:

Read more about statutionary pensions and benefits

If you have made your own pension provisions and are receiving an annuity, you are not entitled to the form in question. You will need to arrange health insurance yourself until you receive your old-age pension.

Were you self-employed (e.g. as a doctor, specialist or notary) and are you receiving a benefit under an early retirement scheme? If so, you are not entitled to an S1/121.

You will need to arrange health insurance yourself until you receive your old-age pension.

If you are only receiving a surviving dependant’s benefit from a pension fund (such as ABP), you are not entitled to an S1/121 from the Netherlands. You will need to arrange health insurance yourself.

Were you registered with us as a co-insured party under your partner’s policy and are you not receiving a surviving dependant’s pension? In that case your treaty entitlement ends. You will need to enquire at the health insurance fund in your country of residence about the insurance you can take out there.

Are you receiving a benefit under the life-course savings scheme before taking normal or early retirement? In that case you are not entitled to Dutch-funded medical care in your country of residence. You also cannot retain your health insurance in the Netherlands.

That means you need to arrange health insurance yourself in your country of residence. However, as soon as you start receiving a statutory pension, you are entitled to an S1/121. You can apply to us for this using the S1/121 application form (7.12.2020, PDF, 758 kB).

EHIC from the CAK

EHIC stands for European Health Insurance Card. This card is issued free of charge. An EHIC entitles you to medical care if you fall ill while on holiday in Europe (outside your country of residence).

The EHIC is valid in EU countries and in Iceland, Liechtenstein, Norway and Switzerland. And in the countries of the United Kingdom (England, Northern Ireland, Scotland and Wales). You will receive care in accordance with the rules that apply in the country you are visiting. That means that healthcare providers will treat you in the same way as people who are compulsorily insured in that country.

Read more on the EHIC from the CAK

If you live in an EU/EEA country or Switzerland or the United Kingdom and are receiving a pension or benefit from the Netherlands, and you are also registered with the CAK, you can apply to us for an EHIC for yourself and any family members included under your policy.

Do you work in the Netherlands and do your co-insured family members live in another EU/EEA country or Switzerland? In that case you can apply to us for an EHIC for your co-insured family members. Apply for an EHIC for yourself from your Dutch health insurer.

Apply for an EHIC from the CAK

You apply for an EHIC using the online application form.

Are you applying for an EHIC for the first time? If so, find out first whether you are entitled to an EHIC. Have you previously applied for an EHIC? In that case you can apply for an EHIC directly.

How does the application for an EHIC work?

  1. You complete the application form.
  2. You receive confirmation of receipt by email.
  3. We process your application.
  4. We contact you if there is a problem while processing it.
  5. We keep you informed about the progress of your application by email.
  6. We send out your EHIC by post within 7 working days.

You can start using your EHIC as soon as you receive it. The expiry date is indicated on the EHIC.

Do you live in an EU/EEA country or Switzerland or the United Kingdom? If so, you are entitled to medical care in the Netherlands. You do not need to request permission. That means you can also come to the Netherlands specifically to receive treatment. In the Netherlands you can use the EHIC that you received from us.

Do you not yet have an EHIC? In that case you can apply for one.

Read more on using an EHIC in the Netherlands

You can apply for an EHIC from the date on which your treaty entitlement becomes effective. You will find that date in the letter we sent you. If you apply for the EHIC too early, we will unfortunately be unable to process your application.

Read more on applying online for an EHIC

You can receive necessary medical care in the country you are visiting on holiday, but only if it is an EU/EEA country or Switzerland or the United Kingdom. You will receive that care in accordance with the rules that apply in the country you are visiting.

On the European Commission website you can find out what medical care is refunded in each country. You will also find information on what you need to do to obtain a refund.

Please note: Are you travelling to another EU country specifically for medical treatment? If so, you cannot use your EHIC. In such a case you need to ask the health insurance fund in your country of residence for permission first.

Do you have an EHIC but still had to pay a doctor or pharmacy directly? In such a case you can still claim back the costs from us. Use the form Declaration costs of medical care of a treaty-entitled person (7.10.2021, PDF, 944 kB).

Read more on cost declaration

Care received in private clinics is generally not refunded. Such care is often not included in a country’s statutory insurance package. That is the case in Spain, for example. Care in a private clinic does not form part of the care package there. In such a case you will receive an invoice that you will have to pay yourself. The same applies to medical care on a cruise ship, for example. Those private healthcare providers (clinics or doctors) will not accept the EHIC as a means of paying for your care. The CAK is also unable to refund those costs to you retrospectively. You therefore have to cover the entire cost yourself.

Read more on personal contribution for care abroad

Have you not received your EHIC or have you lost it?

Please contact us on the telephone number +31 88 711 5551.

Financial information for treaty-entitled persons

There may be various reasons why you have underpaid your contribution. The most common reasons for a high annual statement are explained below.

Read more on reasons why you have underpaid your contribution

The costs of healthcare abroad are often lower than they are in the Netherlands. One country may have a more extensive statutory care 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 your healthcare contribution according to the level of healthcare in your country of residence. 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 contribution.

Read more on country of residence factors

By 30 September of each year you will receive an annual statement for the previous year. The CAK has an obligation to provide this.

Has the Tax and Customs Administration notified us of the level of your worldwide income (Belastingdienst.nl)? If so, you will receive a final annual statement. This annual statement is based on your worldwide income. We will also apply the tax credits that you have applied for.

If we do not have any information about your worldwide income, you will receive a provisional annual statement first.

More information about your final annual statement

Do you live in a treaty country and do you pay an income-dependent contribution under the Long-Term Care Act (Wlz)? In that case you may be entitled to a number of tax credits. This will reduce your Wlz contribution, although it can never drop below EUR 0.

We process the following tax credits automatically:

  • general tax credit
  • elderly person’s tax credit
  • single elderly person’s tax credit
  • general tax credit for a partner with no income who is included under your policy and registered with us.

Find out more about which tax credits you can apply for

 

A special tax credit is available if your partner earns no or very little income. In some cases we apply this tax credit automatically and sometimes you will have to apply for it.

Read more on this extra tax credit

We will transfer the amount to you as quickly as possible and within 6 weeks at the most. We can only do that if we have your bank account number.

Have you not yet given us your bank account number? In that case complete the form Notification of bank details for treaty-entitled persons (12.05.2021, PDF,  499 kB), sign it and return it to us. As soon as we have processed your details we will transfer the amount to you.

There are a number of tax credits that we do not process automatically. However, you can ask us to apply these to your contribution retrospectively. We will then deduct the credit from your income-dependent Wlz contribution. You can ask us to apply the following credits:

  • Tax credit for social investments and/or direct investments in venture capital and cultural investments.
  • General tax credit for a partner with no or low income.

Find out more about lodging an objection

By 30 September of each year you will receive an annual statement for the previous year. The CAK has an obligation to provide this.

If we have not yet received your worldwide income from the Tax and Customs Administration, you will receive a provisional annual statement. We base this on the information relating to your Dutch income. No deductible items are taken into account in that case and we also do not yet apply all tax credits.

More information about a provisional annual statement

You must always settle your annual statement within 6 weeks.

This period starts from the date indicated on your final annual statement.

There is no limitation period for settling contributions. It is possible that you were already treaty-entitled in previous years, but did not receive an annual statement for those years.

You should therefore expect to receive an annual statement for any earlier years from us as well. If you have overpaid, we will refund the amount you are owed. If you have underpaid, you will need to make an additional payment. However, in most cases you can enter into a payment arrangement.

You must always settle your annual statement within 6 weeks. It is possible to enter into a payment arrangement with us. In that case different payment periods apply. If you do not have a payment arrangement and do not pay within 6 weeks, we will send you a reminder. You will then have a further 2 weeks to make the payment. If you still do not pay, we will send a payment demand. That is the last opportunity to settle the annual statement. You are given 2 weeks in which to do this.

If you have still not paid after receiving the reminder and the demand, we will engage a bailiff. The amount you have to pay is then increased, as you also have to pay the bailiff’s collection costs.

I am genuinely unable to pay

In some cases the bailiff informs us that at the present time you are genuinely unable to pay. We will then suspend the collection process temporarily. The bailiff will check once a year to see whether you are able to pay at a later point in time. If you can, the collection process will be restarted.

Yes, you can. If you have received a final annual statement and there is an additional payment to make, you can enter into an arrangement with us.

A payment arrangement can be entered into for a maximum period of 12 or 24 months. This depends on the amount you have to pay us.

When can I apply for a payment arrangement?

You can apply for a payment arrangement if you have received a final annual statement and there is an additional payment to make. A payment arrangement is entered into for a maximum period of 12 or 24 months. Which period applies to you depends on the amount you have to pay:

  • EUR 100 to EUR 600: you can enter into a payment arrangement for between 2 and a maximum of 12 months. The minimum instalment is EUR 50.
  • EUR 600 to EUR 2 400: you can enter into a payment arrangement for a maximum of 12 months.
  • More than EUR 2 400: you can enter into a payment arrangement for a maximum of 24 months.
  • In some cases we can depart from these periods.
  • Do you have a Dutch, German, Belgian, French, Portuguese or Spanish bank account? If so, it is best to set up a direct debit. You can then be sure that your instalment will be paid on time. Make sure you have a sufficient balance to cover the transfer.

How do I apply for a payment arrangement?

Call us on +31 88 711 5551.

You have received an annual statement because your family member was registered with us as a treaty-entitled person. If your family member has died, we send the annual statement(s) to his or her heirs. The statement contains a summary of the healthcare contributions that your family member paid to us and should have paid.

There are three possible scenarios:

  1. Your family member paid the contribution in full.
  2. Your family member overpaid for that year; the heirs then receive a refund.
  3. Your family member underpaid for that year; the heirs then have to make an additional payment.

Read more on the annual statement for a deceased family member

If you work in the Netherlands, you can receive help in the Netherlands with the settlement of your debts. This is referred to as the Amicable Debt Management Scheme for Natural Persons (Minnelijke Schuldsanering Natuurlijke Personen, MSNP). If the debt counsellor is affiliated to the Dutch Association of Municipal Money-Lending and Debt Counselling Institutions (NVVK), we will cancel a portion of your outstanding debt. This will be the amount remaining after we have received money via the debt assistance organisation.

Are you receiving assistance with the settlement of your debts in your country of residence? If so, we will assess your situation separately. This is because participation in a statutory debt management scheme differs from one treaty country to another.

Working or studying abroad

The Social Insurance Bank (SVB) can tell you that. On the website of the SVB you can find out in a few steps whether or not you remain Wlz-insured in the Netherlands.
 

I remain Wlz-insured
Keep your Dutch health insurance. You are legally obliged to do so. You may also continue to be entitled to healthcare benefits. You can check this with the Belastingdienst. Please inform your Dutch health insurance company that you are going to live abroad (temporarily). For questions about healthcare costs abroad, please contact your Dutch health insurance company. 
 
I am no longer Wlz-insured
Then cancel your Dutch health insurance. Do you receive healthcare benefits? Inform the Belastingdienst to end it. Ask your employer or educational institution how you can insure yourself in your (temporary) country of residence.

Check if your family members remain Wlz-insured at the Sociale Verzekeringsbank (SVB) website.

My family members remain Wlz-insured
Then they can keep their health insurance. Inform the health insurance company that they are going to live abroad (temporarily). For questions about healthcare costs abroad, they can contact their health insurer.

My family members are no longer Wlz-insured
Then end their health insurance in the Netherlands. Ask your employer or your own health insurer how you can insure your family members. Are you yourself Wlz-insured and are you going to live in a treaty country? Check our information on Working in the Netherlands and live abroad to see if you can co-insure your family members.

  • The Sociale Verzekeringsbank (SVB) determines whether or not you remain insured under the Wlz.
  • The Zorgverzekeringslijn (in Dutch only) indicates the consequences for your health insurance per situation.
  • Check out the information at Grensinfopunt (in Dutch and German only) if you are going to live, work, study or start a business in Belgium, Germany and the Netherlands.

Reporting the death of a treaty-entitled person

Did your family member (or client) pay a healthcare contribution for themselves and/or family members? Then the health insurance fund in the country of residence (or SVB or UWV) will notify the CAK accordingly. Registration with the health insurance fund ceases at the time of death. The CAK therefore stops collecting the healthcare contribution.

You can also report the death of your family member (or client) directly to us. To do so, use the secure contact form on this website. Do you have a death certificate? Then include this as an attachment. Read how to complete the contact form

You can also send the ‘death certificate’ by post. If you use our address label, a stamp is not required.

Please note

Were you, as a family member, co-insured with the deceased person? In that case, your healthcare insurance via the CAK will end at the time the principal insured person dies. Do you have any questions? Call us on +31 88 711 5551. Our staff will be happy to help you.

  • We will process your notification and add the death certificate to the client file.
  • As soon as we have received the obituary notice, we will send you (the heirs) a letter.
  • The letter will describe what happens next and, if necessary, we will ask you for additional information.
  • We will also ask the health insurance fund in the country of residence to confirm that the client has been deregistered there.

In the calendar year following the (year of) death of our client, we will draw up an annual statement. This states how much the client has paid in healthcare contributions. We will send this annual statement to the heirs.

Has our client paid too much and are you an heir?

Then we will ask you for proof that you are an heir and what your bank details are. But you will read that in the letter we are sending you. We may also ask for this information with the annual statement.

Has our client paid too little and are you an heir?

Then we will ask you (or the joint heirs) to pay the outstanding amount.

You are not an heir?

Then we will investigate whether the deceased client has heirs and who they are.

When will the annual statement come and will it be final?

We first need to know the world income of the deceased person in the year of death. We will receive this information from the Tax and Customs Administration in the Netherlands. In case we have not received this information yet, you will first receive a provisional annual statement.

It may also be the case that old annual statements are still open. These claims will be transferred to the heirs.

Are you an heir but wish to reject the inheritance? Please contact us on +31 88 711 5551. Our staff will discuss with you what the best thing is for you to do.

We are available on weekdays from 8.30 to 17.00.

  1. Go to the online contact form.
  2. Under ‘Which scheme is involved?’, choose ‘Health insurance and abroad’.
  3. Please enter the following details in the message field:
    • your first name and surname (or those of the family’s contact person)
    • your or the contact person’s telephone number
    • your or the contact person’s email address
    • your or the contact person’s postal address
  4. Under ‘Add attachment’, click the pink box with the arrow. Find the death certificate (.pdf or .jpg) on your computer and add the certificate.
  5. In the next block enter:
    • the deceased person’s initials
    • the deceased person’s surname
    • NB Your own email address
    • your own telephone number
  6. In the last block enter:
    • Under ‘CAK reference’, the deceased person's ID insurance number. You will find this on all the letters we have sent to the client;
    • Under ‘Date of birth’, the deceased person's date of birth.

 

Forms for treaty-entitled persons

Go to Apply for a document S1/form 121 to download the application form. You can also read what conditions you have to meet and what you can expect.

Please note

Are you moving to Spain? You will need, among other things, a NIE number (evidence that you are an EU citizen, in Spanish only) to register with a Spanish health insurance company. Take into account long waiting times. Please inform the Spanish consulate (in Spanish and Dutch only) in advance of any more documents you need when emigrating and make appointments online.

Do you have an EHIC but have still had to pay a doctor or pharmacy directly in cash? In such a case you can still claim back the costs from us. Use the form Declaration, costs of medical care for treaty-entitled persons (7.10.2021, PDF, 944 kB).

If your family members no longer live or work in the Netherlands, they can no longer have Dutch health insurance. Do you work in the Netherlands? In some cases they can be co-insured under your policy in their country of residence. That is only possible, however, if they live in a treaty country and the local health insurance fund agrees.

Do your family members live in an EU/EEA country or Switzerland?

Do your family members live in another treaty country?

  • Apply to your Dutch health insurance company for a form 109.
Submit the form S1 or 109 to the local health insurance fund. If it agrees, your family members are co-insured. You will then pay a healthcare contribution for them.

More information

Please note

Are you receiving a pension or benefit from the Netherlands and are you moving abroad with your family members? Then use the regular form Apply for a document S1/form 121 for yourself and your family members.

Do you have a question and are you unable to find an answer on our website? Or do you have a request? If so, you can use the contact form to send us a message.

You can use the form Notification of bank details for treaty-entitled persons (12.5.2021, PDF, 499 kB) to let us know your bank account number.

Would you like your contribution to be debited automatically every month? If so, please contact us to authorise us to collect it in this way.

Do you disagree with a decision of the CAK? If so, contact us by telephone and we will try to find a solution together with you.

You can also lodge an objection. There are two ways to do this:

Print out the objection form

Print out the form Lodging an objection (7.12.2020, PDF, 1002 kB) and fill it in.

Please enclose the following documents:

  • a copy of the decision against which you are objecting
  • copies of any supporting documents
  • if someone else is lodging an objection on your behalf: an authorisation (7.12.2020, PDF, 566 kB)

Send a letter

Would you prefer to send us a letter? In that case include the following information in the objection letter you send:

  • your name, address and email address
  • the date on which you are sending the objection letter
  • a description of the decision against which you are objecting (quote the date and decision number)
  • the reason why you disagree with the decision
  • your citizen service number (BSN)
  • your telephone number

Please enclose the following documents:

  • a copy of the decision against which you are objecting
  • copies of any supporting documents
  • if someone else is lodging an objection on your behalf: an authorisation (7.12.2020, PDF, 566 kB)

Sign the objection letter and send it to:

CAK

Afdeling Bezwaar & Beroep

Antwoordnummer 91041

2509 VC The Hague

No stamp is needed.

Please note

Are you writing to us from abroad? In that case please use the following address:

CAK

Afdeling Bezwaar & Beroep

Postbus 84030

2508 AA The Hague

Find out more about how we handle an objection

Are you unhappy with the service we have provided? If so, contact us by telephone and we will try to find a solution together with you.

You can also fill in a complaint form or send us a letter.

Complaint form

Fill in the online Zvw complaint form. Please indicate clearly that you are making a complaint and provide your address details and a telephone number that we can use to contact you.

Send a letter

Would you prefer to send us a letter? Please include the following information:

  • Your name
  • Your address
  • Your date of birth
  • The date on which you are sending the complaint
  • What your complaint is about
  • Your citizen service number (BSN)
  • Your telephone number, so we can call you to discuss the matter personally

Send your complaint to:

CAK

Antwoordnummer 91042

2509 VC The Hague

No stamp is needed.

Please note

Are you writing to us from abroad? In that case please use the following address:

CAK

Afdeling Bezwaar & Beroep

Postbus 84030

2508 AA The Hague

Find out more about how we handle a complaint

Last modified on 08 June 2021

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