What healtcare are my family members entitled to?

Your family members are entitled to medical care in their country of residence, as provided for there by law. The coverage of the package is equal to the basic insurance in that country. They will have the same rights and obligations as other residents who are legally insured in that country. For example, if their country of residence has a obligatory deductable excess for medical care, it will also apply to your family members. However, the Netherlands does not cover such costs.

The health insurance fund in their country of residence can give you more information about:

• the care to which your family members are entitled;
• any deductable excesses, if any;
• possible supplementary insurance.

If your family members live in an EU/EEA country or in Switzerland or the United Kingdom, they are also entitled to medical care in the Netherlands. For this care in the Netherlands, your family members can use the EHIC (European Health Insurance Card). More information about care in the Netherlands can be found on the website of the Zilveren Kruis.

If your family members make use of medical care in the Netherlands, Zilveren Kruis will pay the costs incurred directly with the doctor or healthcare institution in the Netherlands. They are only entitled to healthcare which is included in the Dutch Health Insurance Act and the Long-Term Care Act.

Other treaty country

If your family members do not live in an EU/EEA country or in Switzerland or the United Kingdom, they will always need supplementary or travel insurance when staying in the Netherlands. They are not entitled to healthcare outside their country of residence at the expense of the Netherlands. They also do not receive an EHIC from the CAK.

Do you live in an EU/EEA country or Switzerland or the United Kingdom and go on holiday to another EU/EEA country or Switzerland or the United Kingdom? Then your family members are entitled to necessary medical care according to the laws and regulations that apply there. They need a European Health Insurance Card (EHIC). They can request the EHIC online from us.

We also recommend that you always take out travel insurance. The EHIC usually does not offer 100 % coverage. If your family members go on holiday to other countries, they are subject to supplementary or travel insurance.

Other treaty country

If your family members do not live in an EU/EEA country or in Switzerland or the United Kingdom, they will always need supplementary or travel insurance during holidays. They are not entitled to healthcare outside their country of residence at the expense of the Netherlands. They also do not receive an EHIC from the CAK.