What does Brexit mean for your health insurance abroad?

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.

Existing clients

Did you already live in the UK (England, Scotland, Wales or Northern Ireland) before 1 January 2021? And are you and/or your family members insured for medical care through the CAK? Then nothing will change for you as long as your situation remains the same.

  • You will continue to pay a healthcare contribution to the CAK. 
  • You and/or your co-insured family members will continue to be entitled to medical care in the United Kingdom and the Netherlands. 
  • You and/or your co-insured family members will continue to be entitled to medically needed care in the EU, Liechtenstein, Norway, Iceland and Switzerland. You will receive a European Health Insurance Card (EHIC) from the CAK.

New clients

Are you moving to the UK (England, Scotland, Wales or Northern Ireland) after 1 January 2021? And do you receive a pension or benefit from the Netherlands? Then you still have to register with the CAK. You pay a treaty contribution to the CAK. The UK calculates the costs of your medical care with the Netherlands. 
This also applies to family members of persons with a Dutch income who live in the UK. 


Are you temporarily in the UK (e.g. for holidays)? Then you can use the European Health Insurance Card (EHIC) for medically needed care.


There is no agreement about Gibraltar yet. Until an agreement is reached between the EU en UK a private healtcare insurance is advisable.

Want to know more about Brexit?  

Read more about the consequences of Brexit on social security and care (Rijksoverheid.nl)
Read the most frequently asked questions about Brexit (Rijksoverheid.nl) 
Read more about medical care for UK visitors (Gov.uk)
Read more on healthcare in the UK (NHS.uk)

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