Can I retain my health insurance if I go to study in an EU/EEA country or Switzerland for more than a year?
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).
Insured or not under the Wlz?
I will remain insured under the Wlz
In that case you are still obliged to have health insurance in the Netherlands. If you have health insurance in the Netherlands, you therefore need to take no action.
- Apply to your health insurer in the Netherlands for a European Health Insurance Card (EHIC).
- This entitles you to the necessary medical care in the country where you are studying.
- Costs will be refunded in accordance with the rules and rates that apply in your country of study.
- You also remain entitled to care in accordance with the terms and conditions of your Dutch health insurance policy.
- You may not stop your health insurance, even if you are insured via the university in your country of study.
I will no longer be insured under the Wlz
In some cases you can register with a health insurance fund in your country of study as a co-insured family member of your parents. To do this, you need an S1/E109. One of your parents applies for this for you.
- Will you be staying in an EU/EEA country or Switzerland for your studies? In that case, your parent should apply to the CAK for an S1.
- Are you staying in another treaty country for your studies? In that case your parent should apply to his or her health insurer for an E109.
You should submit the document or form to a local health insurance fund in your country of study. The health insurance fund in that country will decide whether you can be co-insured.
Co-insured or not?
I am a co-insured family member
The CAK will register you as a co-insured family member. One of your parents will then pay a healthcare contribution to the CAK. You are also entitled to a healthcare benefit.
I am not allowed to be a co-insured family member
Enquire in your country of study about the insurance you can take out there.