I live in the Netherlands, but work abroad

If you are going to work abroad, but will continue to live in the Netherlands, your personal situation determines whether or not you have to keep your Dutch national health insurance.

When to terminate national health insurance

You will no longer be eligible for Dutch national health insurance if:

  • you work exclusively for an employer abroad
  • you work for a Dutch employer, but have not been seconded
  • you work for a foreign employer abroad and in the Netherlands, but less than 25% of your worktime is in the Netherlands

When to keep national health insurance

You must keep your Dutch national health insurance if:

  • you work for a Dutch employer abroad and in the Netherlands
  • you are seconded by a Dutch employer
  • work for a foreign employer abroad and in the Netherlands, but less than 25% of your worktime is in the Netherlands

Verdragspolis (treaty policy)

If you live in the Netherlands, work in an EU, EEA or treaty country and are no longer eligible for Dutch national health insurance, you can take out a Verdragspolis (treaty policy) with health insurer CZ. This gives you the right to medical care in the Netherlands according to the terms and conditions of Dutch national health insurance. You do not pay premiums in the Netherlands but will have an excess.

Family members

Other rules may apply to your partner and your children. We advise you to contact the Sociale Verzekeringsbank (SVB) for further information.

What does OOM Verzekeringen offer?

OOM Verzekeringen does not offer Dutch national health insurance. Our insurance offers a solutionĀ  for those who are not (or no longer) eligible for Dutch national health insurance. For such situations, we offer the following options:

Our insurance can also be a supplement to your mandatory Dutch national health insurance. For example, to insure you for repatriation (return to the Netherlands due to illness, an accident or death) or other costs that are not covered by Dutch national health insurance.

What if you are uncertain?

We have put together this information with great care. However, the rules are complicated and are subject to change. To be certain of whether or not you have to keep your Dutch national health insurance, please contact the Sociale Verzekeringsbank (SVB).