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If you're insured in the Netherlands and your family have no or little income of their own,  the Netherlands is also responsible for the healthcare costs of your family. They are then insured through the CAK.

You work in the Netherlands, but live with your family abroad. Because you work in the Netherlands, you have Dutch health insurance. You need to insure your family members through the CAK.

Healthcare differs in every country. We use the country of residence factor to take this into account. Find out all about the country-of-residence factor below.

You pay a healthcare contribution for basic healthcare for your family members in the country where they live. And if they live in an EU/EEA Member State, Switzerland or the United Kingdom, they are also insured for basic healthcare in the Netherlands and medically necessary care in a number of European countries.

Do your family members live in an EU/EEA Member State, Switzerland or the United Kingdom? Then they are also insured in the Netherlands. This covers all the healthcare included in the basic package.

Do your family members live in an EU/EEA Member State, Switzerland or the United Kingdom? Then they are also insured for medically necessary care in a number of European countries.

Has someone close to you died? We are very sorry for your loss. We will gladly help you deal with the health insurance aspects. This page explains what we need from you and what you can expect.

If one of your family members starts working or moves house, the health insurance situation will also change. Read more on deregistering a family member.

This page provides an overview of frequently asked questions about invoices and annual statements. Is your question not featured? Then please contact us.

On this page you will find an overview per year and per country of the country-of-residence factors and the nominal (fixed) contribution to the Health Insurance Act (Zvw).