Will I remain insured in the Netherlands if I am posted abroad by my Dutch employer?
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.
Treaty country or not?
I am working in a non-treaty country
Please contact the Sociale Verzekeringsbank (SVB.nl/en) regarding your and your family members’ insurance status. If you remain insured under the Long-Term Care Act (Wlz) in the Netherlands, you are obliged to take out 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 with agreements on medical care
Ask your employer to apply for the A1 or E101 from the SVB. You can use that form to demonstrate that you are insured in the Netherlands. Also ask the SVB about the insurance status of any family members who are accompanying you.
I have been posted to a treaty country for more than a year
Have you been posted to a treaty country (with an A1 or E101)? In that case you have to retain your Dutch health insurance. For healthcare in your country of employment, apply for an S1/E106 from your Dutch health insurer. Submit this to the health insurance fund in your country of employment. You will then be entitled to medical care in accordance with the laws of that country. In your country of employment you will also be entitled to medical care in accordance with the terms and conditions of your health insurance policy. Family members who accompany you are usually no longer insured in the Netherlands. Always contact the SVB regarding the insurance of your family members.
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. Ask your employer about the insurance you can take out in your country of employment.
My family members will no longer be insured under the Wlz
In some cases your family members can be included under your policy in your country of employment, as you still have Dutch health insurance. To arrange this, you need an S1/E106. Apply for this from your Dutch health insurer. Submit the form to a health insurance fund in your country of employment. They will determine which family members are included under your policy. The CAK will then register your co-insured family members.
My family members cannot be included under my policy. What should I do?
Ask your employer about the insurance you can take out for your family members in your country of employment.