Live, work, study or travel abroad

Your healthcare insurance abroad.

Do you live in the Netherlands but do you work in Germany? Or are you going to Spain to study for a year? Then you might want to check what you should do about your healthcare insurance. Keep it or cancel it? Find out in a few easy steps.

Are you going to live, work or study abroad?

What is your situation?

You lose your right to Dutch healthcare insurance. You need to cancel your insurance with us. Take out insurance in the country where you work and live.

Inform us of your cancellation within 2 months and we will cancel your insurance per the date indicated.

Inform us of your cancellation after 2 months and we will cancel your insurance per the date of receipt of your cancellation request.

You lose your right to Dutch healthcare insurance. You need to cancel your insurance with us. Take out insurance in the country where you live.

Are you moving to a treaty country? Sign yourself and any co-insured family members up at the CAK (only available in Dutch).

You are entitled to Dutch healthcare as long as your social benefit is still active.

As soon as your social benefit stops you need to cancel your healthcare insurance with us. Take out insurance in your country of residence.

It is mandatory for you to have a Dutch healthcare insurance. You can take this out at Zilveren Kruis.

Has your employment in the Netherlands ended? Or has your Dutch income ended, but are you continuing to live abroad? Then your entitlement to Dutch healthcare will end. You need to cancel your healthcare insurance with us. Take out insurance in the country where you live and work.

You and possible family members can get medical care in your country of residence at the expense of the Netherlands. For this purpose you can request the treaty form S1 (only available in Dutch) with us. With this form you can register with an insurer in your country of residence.

You will lose your right to Dutch healthcare insurance. You need to cancel your healthcare insurance with us. Take out insurance in your country of residence.

Will one of the family members continue to work in the Netherlands and are you moving to a treaty country? The CAK (only available in Dutch) will know where you need to take out insurance.

We can determine your right to Dutch healhcare insurance for your situation. Please download the response form Staying abroad (pdf) and fill it out.

You will lose your right to Dutch healthcare insurance. You need to cancel your healthcare insurance with us. Take out insurance in the country where you live and work.

We can't determine if you still need to be insured in the Netherlands, please contact the Sociale Verzekeringsbank about the status of your insurance and that of your family members. If you continue to be insured under the Wlz scheme in the Netherlands, it is mandatory to have health insurance in the Netherlands. If not, then you have to take out health insurance in the country where you work.

You will lose your right to Dutch healthcare insurance. You need to cancel your healthcare insurance with us. Please cancel in Mijn Zilveren Kruis (only available in Dutch). Take out insurance in the country where you work. Ask them about coverage in the Netherlands.

We can determine your right to Dutch healhcare insurance for your situation. Please download the response form Staying abroad (pdf) and fill it out.

You are still entitled to Dutch healthcare insurance. This also applies if you are backpacking or travelling. It might be wise to choose an additional travel insurance.

Healthcare benefits
As you are still entitled to Dutch healthcare insurance, you also continue to be entitled to healthcare benefits (only available in Dutch).

Proof of insurance
Check which proof of insurance (only available in Dutch) you need in the country you are travelling to. Do you need proof of insurance in English because you will attend a university? You can contact us via chat, phone or e-mail to ask for this document.

Vaccinations
Before you leave, please check if you need any vaccinations in the country you are travelling to at Landelijk Coordinatiecentrum Reizigersvaccinaties.

We reimburse vaccinations (pdf) out of supplementary insurance, from the 1 star package and upwards, but only if you choose a contracted care provider.

You need to cancel your healthcare insurance with us. If you are employed abroad and paying income tax, you will lose your right to Dutch basic healthcare insurance. Income out of an internship is also considered income from employment.

Are you in doubt about your situation? Contact the Sociale Verzekeringsbank (SVB). Via a so-called Wlz Insurance position they can determine if you will lose your right to Dutch healthcare insurance or not. Please mail us the outcome of the inquiry.

Healthcare benefits
Don't forget to stop healthcare benefits at the Belastingdienst if you lose your right to Dutch healthcare insurance. You will need to do this yourself.

Vaccinations
Before you leave, please check if you need any vaccinations in the country you are travelling to at Landelijk Coordinatiecentrum Reizigersvaccinaties.

We reimburse vaccinations (pdf) out of supplementary insurance, from the 1 star package and upwards, but only if you choose for a contracted care provider.