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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).

If you work in the Netherlands, you have to take out health insurance with a Dutch health insurer. You can decide on a health insurer of your choice.

Do you have an employer established in the Netherlands, but you live over the border and telework a lot from your country of residence? There may be consequences for your health insurance and that of your co-insured family members.

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.

Sometimes, you have to pay the doctor, pharmacy or hospital directly when you are abroad. You can claim the costs from us. Read here how and on which terms.

Are you moving house, or do you have a new postal address? Or are your address or personal details incorrect? If so, please let us known as soon as possible.

Tell us about your move either online or by post. Your relocation may have an impact on your health insurance. Find out more about this on this page.

You live and are insured in the Netherlands, but your family members live in another treaty country. In that case, you need to insure your family members through the CAK. On this page, you can find out what the conditions are and how to organise this.