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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).

You pay a treaty contribution to the CAK through your pension(s) or benefit. We sometimes apply tax credits to the treaty contribution.

These are the contact details for the Health Insurance Abroad scheme. This is for customers who live abroad and receive a pension or benefit from the Netherlands, and for cross-border workers.

Are you planning to emigrate to a treaty country or are you already living there? And will you soon be covered by health insurance through the CAK? On this page, you can find information about your health insurance in these countries.

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.

If you have a pension or benefit from the Netherlands and live in a treaty country, then you have to arrange and pay for your health insurance through the CAK. This way, you are always insured for medical care in your country of residence.

On this page you will find an overview of the country of residence factors, nominal contributions Zvw and the income-dependent Wlz contributions for different years.

The amount of this tax credit depends on your income and age. You get less tax credit as your income increases.

You are entitled to the elderly person’s tax credit if you have reached the AOW (state pension) age in or before the care year concerned. Read more on this page.

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