This information was updated on: 6 January 2025
You live in the Netherlands, so if you require healthcare here, you want it reimbursed without any unnecessary complications, even though you already have foreign medical expenses insurance. The 'Verdragspolis' makes this possible, without having to pay an extra premium.
You can register for the 'Verdragspolis' if:
The ‘Verdragspolis’ provides you with reimbursement for healthcare services in the Netherlands just as if you were insured in the Netherlands. The (opent in nieuw tabblad)reimbursements(pdf - 1705kb) are the same as you would get if you had the CZ ‘Zorg-op-maatpolis’ policy. Healthcare you receive in the country where you are insured is covered by your regular foreign health insurance policy.
Since you are already paying premiums to your foreign health insurer, you do not need to pay premiums for the ‘Verdragspolis’. You do have to pay the The amount that you first pay yourself before you receive a reimbursement. The government determines the compulsory deductible, this is €385 in 2026. The 'Verdragspolis' does not have a voluntary deductible. The deductible applies only to the basic insurance.
For some healthcare you do not pay any deductible, such as the general practitioner and maternity care. You do not pay any deductible if you use healthcare in the country where you work or receive a benefit or pension. for healthcare you receive in the Netherlands though.
In addition to the reimbursements provided under the ‘Verdragspolis’, you are also entitled to healthcare under the Dutch Long-Term Care Act (‘Wet langdurige zorg’, Wlz). This can involve healthcare benefits in kind, such as admission to a healthcare facility and the related nursing care.
Request the If you are working in an EU, EEA or treaty country or in Switzerland, you will need an S1 or S072 form. If you receive a pension or benefit from one of these countries, you will need an S1 of S072 as a pensioner. You can request the appropriate form from your health insurer. from your foreign medical expenses insurer. We cannot complete your registration without this form.
Complete the online ‘Verdragspolis’ registration form to register with CZ.
Send us the documents and details we ask for. For example, the E106/S1/E121 form issued by your foreign health insurer. When you have completed the registration form, you will see the details we require and how you can send them to us.
In 2006, the Dutch government designated CZ ‘orgaan van de woonplaats’, i.e. the only competent authority to offer this policy. So we are the only health insurer in the Netherlands where people insured in a foreign country can register for the ‘Verdragspolis’.
This is possible in some situations. Your partner can register for cover under the 'Verdragspolis' if he or she:
If your partner works in the Netherlands or receives a pension or benefits from the Netherlands, he or she is required to have general insurance in the Netherlands.
You can register children if:
You must insure your children under a normal Dutch health insurance policy if:
Please note that a side job is work as well.
You have just completed the 'Verdragspolis' form. How was this for you?
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