I live in the Netherlands and work abroad. How will that affect my health 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.

Treaty country or not?

I am working in a non-treaty country

Please contact the Sociale Verzekeringsbank (SVB.nl/en) regarding your insurance status. If you remain insured under the Long-Term Care Act (Wlz) in the Netherlands, you are obliged to have health insurance in the Netherlands. That also applies if you have compulsory insurance in your country of employment. It is therefore possible that you will have double insurance.

I am working in a treaty country

In that case your Dutch health insurance expires from your first working day. Take out medical insurance from your first working day in your country of employment. You can often include family members living in the Netherlands under your policy.

I am working in a treaty country and require medical care in the Netherlands

Apply to the health insurance fund in your country of employment for an S1/E106. Use this to register for the ‘treaty policy’ (verdragspolis) offered by the health insurer CZ. You will find more information and a registration form for that policy on the CZ website (CZ.nl/en). Submit the completed form with the requested enclosures to a CZ branch or send it to CZ, Postbus 90152, 5000 LD Tilburg.

Please note: You can only obtain an S1/E106 if you have statutory compulsory insurance in your country of employment. Do you not have statutory insurance there? In that case do not cancel the Dutch health insurance for your family members, even if they can be included under your policy through your employer.

Insured or not under the Wlz?

I will no longer be insured under the Wlz

Cancel your Dutch health insurance. You should also immediately stop any healthcare benefit. Enquire in your country of employment about the insurance you can take out there.

I want to include my family members under my policy

If you receive an S1/E106 via your country of employment, your family members living in the Netherlands can be included under your policy. The health insurer CZ will determine who is co-insured. Co-insured family members are entitled to the same care as Dutch insured parties. They will be covered by a ‘treaty policy’ (verdragspolis) from CZ.

Children aged 18 and above cannot be included under your policy. Take out Dutch health insurance for them. The same applies to other family members who cannot be co-insured.

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