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

If you have health insurance through the CAK (Central Administration Office), you are insured for healthcare costs in the country where you live. Read more on this page.

In your annual statement, the calculation of your healthcare contribution is set out in Annex A. You can find an example on this page.

Healthcare differs in every country. We take this into account using the country-of-residence factor. Find out all about the country-of-residence factor on this page.

There are different ways of paying the annual statement. You pay a final annual statement in one lump sum within 6 weeks. Read more on this page.

If you receive any of the Dutch pensions or benefits listed on this page, you are entitled to health insurance through the CAK.

Would you like to send us a letter from abroad – free of shipping costs? Then use our address label. Download this document and read the instructions.

Let us know your bank details. This is useful if you receive money back from us or want to arrange a payment arrangement or direct debit.

You of course want to make sure your family members are well cared for. You can sometimes co-insure them through the CAK. Whether you can do this depends on their situation.