How do I arrange my health insurance if I emigrate?

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.

Before you move

Before you move you need to take the following steps:

  • Check whether you are receiving a Dutch statutory pension or benefit. You can verify this on our Pension and benefits page.
  • Check whether you are moving to a treaty country.
  • Ideally, inform your health insurer of your moving date 2 months before you leave. The organisation that pays your pension or benefit should also be informed as soon as possible that you are emigrating. You have to wait until shortly before your departure to notify the municipality from which you are moving. This can be done from 5 days before you relocate.

More information?

Read more on moving abroad and your health insurance

Do you live, work or travel abroad? Go to Netherlandsworldwide.nl and find out what else you need to know besides health insurance.

Last modified on 28 April 2021

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