Register
- Apply for a document S1/form 106 for yourself at your Dutch health insurance company.
- Submit the document/form to a local health insurance fund in the country where you and your family members live. Register your family members with the health insurance fund. You do not need a separate document/form for your family members.
- The health insurance fund determines which family members can be co-insured and will notify us. From that moment on, your family members are registered with us as being co-insured with you. You and your co-insured family members receive the same basic healthcare as the residents of your country of residence.
- You have to pay a healthcare contribution to the CAK for your co-insured family members of 18 years and older. You will receive a letter from us confirming this.
Does the local health insurance fund determine that your family members cannot be co-insured? Please ask in the country of residence about the possibilities for health insurance for your family members.
Please note
You will only receive a document S1/form 106 if you live in a treaty country, with the exception of Serbia, Bosnia and Herzegovina and Montenegro. Do you live in one of these 3 countries or in a non-treaty country? Please ask in your country of residence how to take out health insurance for your family members.
More information
Read more on I work in the Netherlands and live abroad
Learn what else you need to think about besides health insurance at Netherlandsworldwide.nl
Is your co-insured family member getting married or starting a job? Then he or she usually has an own right to health insurance. Notify this change to the health insurer in the country of residence as soon as possible. You will then no longer have to pay a healthcare contribution for this family member. We can only implement this once we have received confirmation from the health insurer in the country of residence.
You can co-insure your family via the CAK, but only if you meet the following conditions:
- You have your own health insurance under the Dutch Zorgverzekeringswet (Health Insurance Act) with a Dutch health insurer.
- Your family lives in a treaty country.
- Your family members do not have their own health insurance.
Read how you can co-insure your family at I live in the Netherlands, my family members abroad
If your family members live abroad, in certain situations you need ‘co-insure’ them for healthcare through the CAK. You are obliged to do so if they live in a treaty country and have no income themselves. Their country of residence settles the healthcare costs with the Netherlands. You pay a healthcare contribution (a kind of premium) for your family members to us.
- Read more on co-insuring your family members on I work in the Netherlands and live abroad or I live in the Netherlands, my family members abroad
- Read more on the mandatory healthcare contribution in Article 69 of the Healthcare Insurance Act (Zorgverzekeringswet - only in Dutch) (wetten.nl)