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