Country-of-residence factors and Zvw contributions

Country-of-residence factors and Zvw contributions 2025

Nominal Zvw contribution

• per month: EUR 156.67

Country-of-residence factors and Zvw contributions 2024

Nominal Zvw contribution

• per month: EUR 146.00

Country-of-residence factors and Zvw contributions 2023

Nominal Zvw contribution

• per month: EUR 138.08

Country-of-residence factors and Zvw contributions 2022

Nominal Zvw contribution

• per month: EUR 126.83

Country-of-residence factors and Zvw contributions 2021

Nominal Zvw contribution

• per month: € 123,17

Country-of-residence factors and Zvw contributions 2020

Nominal Zvw contribution

• per month: € 117,92

Country-of-residence factors and Zvw contributions 2019

Nominal Zvw contribution

• per month: € 115,42

* The country-of-residence factor for Germany for 2017, 2018 and 2019 was adjusted downwards with effect from 25 October 2019. For 2019 it was adjusted to 0.7827 and the monthly contribution is EUR 90.34.

Explanation of country-of-residence factors for 2019

The country-of-residence factors for 2019 were calculated in a different way. Below you can read about why this change was made and how the calculation is performed.

What is the country-of-residence factor?

A treaty contribution is adjusted using a country-of-residence factor, as in each country the costs of medical care are different. Is the statutory healthcare in your country of residence cheaper per person than it is in the Netherlands? If so, your healthcare contribution will be lower. If the statutory healthcare in your country of residence is more expensive, your healthcare contribution will be higher.

How is the country-of-residence factor calculated?

We divide the average healthcare costs per person in your country of residence by the average healthcare costs per person in the Netherlands. We always use the healthcare costs from the same year. If we take the healthcare costs in your country of residence in 2014 as a basis for the calculation, we will also use the healthcare costs in the Netherlands in 2014. If these costs are exactly the same, the country of residence factor is 1. The healthcare contribution is multiplied by the country-of-residence factor. Are the costs in your country of residence 10% lower than in the Netherlands, for example? In that case the country-of-residence factor is 0.9 and your treaty contribution is therefore 10% lower.

Why have you changed the calculation for 2019?

To calculate the country-of-residence factor, we rely on information from your country of residence about healthcare costs. However, for more and more countries it is becoming difficult to obtain the correct information. For 2019 we therefore used a different source: the World Health Organization (WHO).

What is different in the calculation for 2019?

The WHO figures* are calculated in a slightly different way compared with those we received from your country of residence in previous years. Should we use the WHO figures to recalculate the country-of-residence factor? This could then result in a significant increase in this factor, which is not desirable. For that reason we are only using the WHO figures to adjust (i.e. index) the country of residence factor. If, according to the WHO, the healthcare costs in your country of residence are rising more than those in the Netherlands, the country-of-residence factor will increase. Conversely, if healthcare costs in the Netherlands are rising more quickly than those in your country of residence, the country-of-residence factor will decrease.

* For Liechtenstein we used the Eurostat figures

Country-of-residence factor for 2017 as a basis for the 2019 factor

Since the end of 2014, certain healthcare costs in the Netherlands are no longer part of the statutory health insurance. As of 2015 these costs have been paid under the Social Support Act (Wmo). This means that the average healthcare costs used to calculate the country-of-residence factor have decreased in the Netherlands. Consequently, the country-of-residence factor for certain countries rose significantly in 2018. For those countries we are calculating the 2019 country-of-residence factor on the basis of the factor for 2017.

Country-of-residence factor for 2018 as a basis for the 2019 factor

For all other countries healthcare costs for 2014 or earlier were still being used to calculate the country-of-residence factor for 2018. This is because the healthcare costs in those countries for 2015 were not yet known. For those countries we are calculating the 2019 country-of-residence factor on the basis of the factor for 2018.

Same starting point for all countries

We are therefore performing the calculation for all countries using average healthcare costs that pre-date the change made in 2015. In this way we are keeping the new calculation as fair as possible for everyone.