Can I remain insured in the Netherlands if I go on a longer trip abroad?

Yes, you can, but it depends on the duration of your trip.

Duration of trip

I will be away for more than a year

In that case you will often not remain insured in the Netherlands. Please therefore contact the Sociale Verzekeringsbank (SVB.nl/en). The SVB will determine whether you will remain insured under the Long-Term Care Act (Wlz).

I will be away for less than a year

In that case you will remain insured 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. As long as you have health insurance in the Netherlands, you also retain your right to a healthcare benefit.

Will you be travelling in an EU/EEA country or Switzerland? If so, apply to your health insurer for a European Health Insurance Card (EHIC). This entitles you to the necessary medical care in the country where you are travelling. Costs will be refunded in accordance with the rules and rates that apply in that country. 

Can my health insurer stop my insurance?

Yes, that can happen if you deregister from your municipality’s personal records database. Your health insurer will be notified of this and will automatically stop your health insurance. Before you travel you should therefore contact your health insurer and explain your situation.

Are you unable to resolve the matter with them? Then contact the SVB. The SVB will determine whether you will remain insured under the Wlz.

Please note: Will you be working? If so, your situation changes. In most cases you cannot then retain your Dutch health insurance. In such a case please always contact the SVB. The SVB will determine whether you will remain insured under the Wlz.

SVB’s decision

I will remain insured under the Wlz

In that case retain your Dutch health insurance.

I will no longer be insured under the Wlz

Cancel your Dutch health insurance and arrange new insurance promptly. You should also immediately stop any healthcare benefit. 

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