Co-insure your family members
Did you take out health insurance in the Netherlands and does your family still live in your country of residence? In that case, your family members cannot take out Dutch health insurance for themselves. However, if you live in a treaty country (EU/EEA country, Switzerland or the UK), you may be able to co-insure your family members. Co-insured family members are entitled to healthcare where they live, and also in the Netherlands, 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 they will have to take out their health insurance in their home country.
Co-insuring family members
To co-insure your family members, you must ask HollandZorg for the S1 form. You then take this form to a health insurer in your country of residence. This healthcare insurer determines which family members can be co-insured. The healthcare insurer will indicate this on the S1-form and will return it to us.
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 are included in your Dutch health insurance, they are entitled to healthcare in their country of residence. When the country of residence is a treaty country, co-insured family members are also entitled to (necessary) medical care in the Netherlands and other treaty countries.
In country of residence: statutorily insured medical care
Based on the S1 form, co-insured family members (and yourself) are entitled to the statutorily insured medical care in their (your) home country. Which type of healthcare, depends on the health service of that country.
In the Netherlands: basic healthcare and the Wlz
Is your country of origin an EU/EEA country, Switzerland or the UK? In that case, co-insured family members will be entitled to basic healthcare 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, the UK and Switzerland: medically necessary careIs your home country an EU/EEA country, the UK or Switzerland? Co-insured family members are entitled to urgent medical care in other treaty countries. 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, the UK 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, EU/EEA countries, the UK or 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 2020
|€ 117,92 per month
|Country of residence factor Belgium in 2020
|Zvw contribution payable, per insured
|€ 117,92 x 0.7303 = € 86,12 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.