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- Changes 2019
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Co-insure your family members
Medical care for your family too
Did you take out health insurance in the Netherlands and does your family reside in your country of residence? Then your families will not be able to take out health insurance in the Netherlands. However, if your country of residence is a treaty country, you may be able to co-insure your family members. Depending on the country of residence, co-insured family members are entitled to healthcare in their country of residence, the Netherlands and other EU/EEA countries and Switzerland.
If your country of residence is not a treaty country, you will not be able to co-insure your family members. In that case you have to take out their health insurance in your country of residence.
Co-insuring family members from a treaty country
You can include your family members in your Dutch health insurance if your country of residence is a treaty country. You must ask HollandZorg for the E106/S1 form in order to co-insure your family members. You take this form to a healthcare insurer in your country of residence. This healthcare insurer determines which family members will be co-insured. The healthcare insurer indicates this on the E106/S1 form and returns it to your Dutch healthcare insurer.
Do you work both in the Netherlands and abroad? Please contact the Social Security Bank (SVB) to find out more about your insurance situation.
Healthcare for co-insured family members
When your family members can be included in your Dutch health insurance, they are entitled to healthcare in their country of residence. When the country of residence is another EU/EEA country or Switzerland, co-insured family members are also entitled to (necessary) medical care in the Netherlands and other countries of the EU/EEA and Switzerland.
In country of residence: statutorily insured medical care
Based on the E106/S1 form, co-insured family members (and yourself) are entitled to the statutorily insured medical care in their country of residence. Which type of healthcare, depends on the social medical expenses system of that country.
In the Netherlands: healthcare from the basic package and the Wlz
Is your country of origin an EU/EEA country or Switzerland? In that case, co-insured family members will be entitled to healthcare under the basic package and the Wlz. In order to qualify for healthcare in the Netherlands, they will need a European Health Insurance Card (EHIC).
Note: you need a special needs decision for healthcare under the Wlz. You can ask for such a decision from the Care Assessment Centre (CIZ), and you should do this before travelling to the Netherlands or during a (temporary) stay in the Netherlands.
In other EU/EEA countries and Switzerland: medically necessary care
Is your country of origin an EU/EEA country or Switzerland? Co-insured family members are entitled to urgent medical care in other EU-EEA countries and Switzerland. In order to qualify for this healthcare, they will need a European Health Insurance Card (EHIC).
Is your country of origin a treaty country, but not an EU/EEA country or Switzerland? In that case, co-insured family members will not be able to apply for an EHIC. Neither will they be entitled to urgent medical care in the Netherlands and other EU-EEA countries and Switzerland.
Zvw contribution co-insured family members
For co-insured family members aged 18 or over, you pay a fixed contribution under the Healthcare Insurance Act (Zwv). The Health Insurance Board (CVZ) will send you an annual invoice for this. Each year, the Ministry of Health, Welfare & Sport determines the extent of the fixed Zvw contribution. As the costs for medical care differ per country, the fixed Zvw contribution is corrected by means of a country of residence factor. In other words, the amount you ultimately pay depends on your country of residence.
Calculation example application country of residence factor:
|Fixed Zvw contribution in 2013||€ 106.75 per month|
|Country of residence factor Belgium in 2013||0.6760|
|Zvw contribution payable, per insured||€ 106.75 x 0.6760 = € 72.16 per month|
More information about how to calculate the Zwv contribution and the country of residence factors can be found on the website of the CVZ.