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Frequently asked questions health insurance
Questions and answers about your health insurance
Do you have a question about your Dutch health insurance or questions about the legislation you will be dealing with? We are happy to help you out and have therefore listed a number of frequently asked questions.
Can't find your question? Look under frequently asked questions about the excess, or send your question by means of our online contact form.
There are two ways of registering with HollandZorg:
- Individually; you can take out our public healthcare insurance and supplementary insurance online;
- Through your employer; this is possible only when your employer has taken out a group contract with HollandZorg.
You should register as soon as possible, but no later than four months after you join the service of your employer.
If your employer does not have a contract with HollandZorg, you can ask for it. Ask your employer to contact HollandZorg.
You qualify for Dutch health insurance if you work for a Dutch employer in the Netherlands or if you reside in the Netherlands. If you reside in the Netherlands, you must be registered with a Dutch municipality.
If you stop working and do not reside in the Netherlands, your health insurance terminates by operation of law. You cannot take out Dutch health insurance.
If you stop working and reside in the Netherlands, you are obliged to take out Dutch health insurance. You can continue your health insurance when you are insured with HollandZorg.
The S1/E106 form is a declaration that says you have Dutch health insurance and that you are therefore also entitled to medical care under the statutory regulations of your country of residence. Your country of residence has to be a treaty country however. You can obtain the E106 form from your Dutch healthcare insurer. You contact an authorised healthcare insurer in your country of residence and show the S1/E106 form. This healthcare insurer will also indicate on the S1/E106 form if you can co-insure family members.
The E108 form is a declaration that says you have Dutch health insurance and that you are therefore also entitled to medical care under the statutory regulations of your country of residence. When you stop working in the Netherlands for instance, and your Dutch health insurance terminates. The E108 form is completed by HollandZorg and sent to the healthcare insurer in your country of residence, where you previously reported with the E106 form.
When your partner and children reside in a treaty country and they have no income of their own, you may be able to co-insure your family members. For that, you need an E106 form. You take this form to a healthcare insurer in your country of residence. This healthcare insurer determines which family members can be co-insured. For co-insured family members aged 18 or over, you will pay a contribution to the Health Insurance Board in the Netherlands. Read more about co-insuring family members.
Did you need medical treatment after you had an accident? If someone else is liable for the accident, then it may be possible to recover the loss from the other party. In that case, the medial expenses are a loss for HollandZorg, which may also be recovered from the other party by HollandZorg. Find out more about loss after an accident.