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Registering with the CAK is easy. This page provides a step-by-step overview of how it works and what you can expect afterwards.

When you are in the process of emigrating to a foreign country, there is a lot on your mind. On this page, you can find out what steps you need to take to arrange health insurance in your new country of residence.

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.

Do you have health insurance through the CAK? And do you live in an EU/EEA Member State, Switzerland or the United Kingdom? Then you are also insured in the Netherlands.

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.

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.

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.

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

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