Working or studying abroad

Are you going to work or study abroad? You may only retain your health insurance in the Netherlands if you remain insured under the Long-Term Care Act (Wlz). This will be assessed by the Sociale Verzekeringsbank (SVB). Different rules may apply to your family members.

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 treaty countries

If you undertake a traineeship abroad, you cannot always remain insured in the Netherlands. This depends on the country you go to and whether you are paid for your traineeship. Please therefore always contact the Sociale Verzekeringsbank (SVB.nl/en). Ask them whether you will remain insured under the Long-Term Care Act (Wlz).

Read more on health insurance and traineeship abroad

In most cases you will not remain insured in the Netherlands. If you are not sure, please contact the Sociale Verzekeringsbank (SVB.nl/en). The SVB will determine whether you will remain insured under the Long-Term Care Act (Wlz).

Read more on your health insurance

That depends on a number of factors. In many cases you are obliged to retain your Dutch health insurance.

See which situation applies to you

In that case you are still obliged to have health insurance in the Netherlands. You remain entitled to care in accordance with the terms and conditions of your Dutch health insurance policy. Ask your health insurer about the cover available abroad under your health insurance policy. Take out supplementary insurance if necessary. You may not stop your health insurance, even if you are insured via the university in your country of study.

Read more on health care while studying abroad

How that affects your health insurance depends on where you will be studying and working. Will you be in a treaty country or not and will you remain insured or not under the Wlz? See which situations apply to you below.

Read more on study or word abroad and how this affects your health insurance

If you go to work abroad, you can usually no longer be insured in the Netherlands. In some cases, however, you need to retain your health insurance. That is the case if you remain insured in the Netherlands under the Long-Term Care Act (Wlz). This will be assessed by the Sociale Verzekeringsbank (SVB).

Do you want to know if you will remain insured under the Wlz in the Netherlands? Then contact the SVB.

Read more on Wlz-insurance

Check carefully which situations apply to you below. Whether or not you are working in a treaty country and whether or not you will remain insured under the Wlz affects where you can (or need to) be insured, for example.

Read more on living in the Netherlands and working abroad

Yes, unless you are no longer insured under the Wlz. In that case you have to cancel your Dutch health insurance. See which situations apply to you below.

Read more on healt insurance while being posted abroad

If you live and work abroad, you will remain insured in the Netherlands. This does not always apply to the family members who live with you. That depends on the country to which you were sent.

See which situations apply to you

If you live and work abroad, you remain compulsorily insured in the Netherlands. That is not always the case for any family members living with you. It depends on the country to which you have been posted. See which situation applies to you below.

Read more on your family member's insurance

Are you planning to live, work, study or run a business across the border in Belgium, Germany or the Netherlands? If so, you will come up against rules and obligations that you will have to comply with in that country. That may have consequences for your health insurance, tax and any pension or benefit you receive.

Visit the website Grensinfopunt (Cross-Border Information Point, only availabe in Dutch and German)) to find out what that means for you personally, what arrangements you need to make and other practical information. Or check Netherlandsworldwide.nl.

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