Search

Healthcare contribution


You pay a healthcare contribution for basic healthcare for your family members in the country where they live. And if they live in an EU/EEA Member State, Switzerland or the United Kingdom, they are also insured for basic healthcare in the Netherlands and medically necessary care in a number of European countries.

Good to know

  • You only pay a healthcare contribution for family members aged 18 and over.
  • Family members under the age of 18 are included in the insurance free of charge.
  • The healthcare contribution consists of a fixed amount per family member, multiplied by a country-of-residence factor.
  • You do not pay a healthcare premium to the health insurer in the country of residence.
  • You will receive an invoice and an annual statement from us.

How much do I pay?

This depends on the number of insured family members aged 18 and over, and the country in which they live. The sum is: number of family members x fixed amount x country-of-residence factor.

Fixed amount

You pay a fixed amount for each family member aged 18 or over. This is called the Zorgverzekeringswet – Zvw (Health Insurance Act) nominal contribution (‘Zvw nominal contribution’) (or the ‘nominal contribution under the Health Insurance Act’). This amount changes every year and is set by the Minister of Health, Welfare and Sport.

Country-of-residence factor

This number represents the ratio of the costs of the healthcare package in the Netherlands to the costs of the healthcare package in the country where your family lives.

See the country-of-residence factor and fixed amounts per country

How do I pay the treaty contribution?

As soon as your family members are registered with the CAK, we will send you an invoice. This states how much you need to pay us per month. You can also pay the amount as a lump sum, or wait until you receive the annual statement. We will send this year-end statement around February or March of the following year. You must pay the annual statement within 6 weeks.

Why do I pay a treaty contribution?

The Netherlands has entered into agreements with a number of other countries (the ‘treaty countries’) on the social security of migrating residents, such as healthcare costs. This is laid down in regulations and a number of treaties.

More information