Teleworking abroad
Do you have an employer based in the Netherlands, but do you live across the border and do you telework a lot from your country of residence? This can have consequences for your health insurance and that of your co-insured family members.
What is teleworking?
Teleworking means that you work remotely via a digital connection with your employer. For example, from your own home or another workplace in your country of residence, such as a café.
25% rule
According to European rules on working in several countries, you are generally insured in your country of residence if you work there for at least 25% of your total working time. During the corona period and the subsequent transition period, (more than 25%) teleworking from your country of residence temporarily had no consequences for the insurance. However, as of 1 July 2023, the 25% rule is back in force.
Do you work a lot from home?
If you telework 25% or more from your country of residence, this will have consequences for your health insurance. You are obliged to report this to your Dutch health insurer. This will terminate your health insurance. You must then take out health insurance in your country of residence. You can unsubscribe with retroactive effect up to a maximum of 12 months.
Co-insured family members
Do you have family members who are co-insured through the CAK? You report this to their health insurer in your country of residence. The treaty contribution stops and you will receive a final invoice from us. You can then co-insure your family members through your own new health insurance in your country of residence.
Exception subject to conditions
Do you telework between 25 and 50% from your country of residence? Then you can remain insured in the Netherlands on request, if you meet certain conditions. You can submit such a request to the Social Insurance Bank (SVB).
The main conditions:
- You are an employee.
- You live outside the Netherlands.
- You only work for an employer established in the Netherlands.
- You telework between 25 and 50% of your working time in your country of residence.