The benefits of the Verdragspolis
- We have many years of experience with people who are insured abroad and extensive knowledge about the situation of cross-border workers.
- We maintain good contacts with foreign health insurers.
- The Verdragspolis entitles you to health care in the Netherlands (and in addition to your foreign health insurance) in the country where you are compulsory insured. The Verdragspolis covers your medical expenses in the Netherlands.
- You will not have to pay any premium for the Verdragspolis, because you already pay for your foreign health insurance. The compulsory deductible set by the government also applies to the Verdragspolis.
- If you would like to have more comprehensive health insurance in the Netherlands, you could choose from our additional insurance packages. Everyone aged 18 or older will have to pay a premium.
Why does CZ offer the Verdragspolis?
Since 2006 we have been designated by the government as the only health insurance company in the Netherlands where people who are insured abroad can obtain a Verdragspolis.
Are you eligible for the Verdragspolis?
You can register for the Verdragspolis if:
- you work abroad or receive a foreign benefit or pension, and
- you live in the Netherlands and are insured in an EU or EEA country, a treaty country or in Switzerland. These countries have signed agreements on medical care. According to European regulations you are entitled to medical care in your country of residence (the Netherlands). With the Verdragspolis you will receive health care cover as if you were insured in the Netherlands. Reimbursements are comparable tot the CZ Zorg-op-maatpolis (in-kind policy).
Which form do you need?
If you are working in an EU or EEA country, in Switzerland or a treaty country, you need the treaty form 106 or S1. If you receive a pension or a benefit from one of these countries, you need a treaty form 121 or S1. Your foreign health insurer issues this form to indicate that you are entitled to medical care in the Netherlands. Without a treaty form you cannot register for a Verdragspolis.
Which countries are covered by the treaty?
- EU countries
- EEA countries
- Treaty countries
Medical cover of the treaty registration
The treaty registration covers the most necessary cover of care, such as:
- Treatments by a general practitioner (GP) and specialist medical care by e.g. G.P.s, hospitals, medical specialists and midwives
- Hospital care
- Dental care (up to age 18)
- Medications and medical devices
- Midwifery and maternity care
- Patient transport (e.g. by ambulance)
- Speech therapy
- Dietary advice
- Occupational therapy
- Physiotherapy/exercise therapy for chronic ailments
What is the deductible?
Everyone in the Netherlands from the age of 18 has a compulsory deductible. The government has set the compulsory deductible for 2018 at €385. It applies to almost every reimbursement from the Verdragspolis and is the amount you have to pay yourself before you receive any reimbursement. The compulsory deductible applies to you and your family members aged 18 years and over for health care in the Netherlands.
When do you not pay a deductible?
You do not pay a deductible for:
- health care in the country where you are working, or from which you receive a benefit or pension
- GP appointments, midwifery care, maternity care, integrated care, follow-up visits for kidney or liver donors, travel costs incurred by organ donors, medical devices on loan, nursing and personal care (home nursing)
- cover from additional or dental insurance packages
Can family members register for a Verdragspolis?
It depends on their situation whether your partner or family member can register. If your family members are entitled to the Verdragspolis, they do not have to pay a premium for this.
- If your partner works in the Netherlands or receives a benefit (such as an unemployment benefit (WW), sickness benefit (ZW), disability benefit (WAO) or partial disability benefit (WIA)), he or she has to take out compulsory health insurance in the Netherlands.
- If your partner works abroad or receives a foreign benefit or pension, he or she is entitled to the Verdragspolis him- or herself.
- If your partner has no income, he or she is eligible for registration through your Verdragspolis.
If your children are under 18 and do not have a job, it depends on your situation and that of your partner where they should be insured. They are eligible for a Verdragspolis if:
- you do not have a partner, or
- your partner has a Verdragspolis as well
You must apply for compulsory health insurance in the Netherlands for your children if:
- your partner works in the Netherlands or receives a Dutch benefit (see above)
- your child works in the Netherlands, irrespective of age
If your children are 18 or older, they have to take out their own compulsory health insurance in the Netherlands from their 18th birthday.
Children under 18 with a part-time job
Children under 18 with a part-time job are required by law to take out compulsory health insurance in the Netherlands and do not qualify for the Verdragspolis. Because they are under 18, you do not have to pay a premium for the insurance. If the part-time job ends, please call CZ on +31 46 459 59 86.
Good to know
Paying a premium
You do not pay a premium for the Verdragspolis. This also applies to your family members if they are registered. This is because you already pay a premium in the country where you are insured. If you opt for an additional or dental insurance package, you have to pay a premium. You do not have to pay a premium for children under the age of 18.
Not eligible for health care benefit (zorgtoeslag)
Perhaps you receive health care benefit (zorgtoeslag), because you did not have a Verdragspolis before. You are no longer eligible for health care benefit as soon as you are insured abroad. Please contact the Tax and Customs Administration of the Netherlands (Belastingdienst) on this subject on 0800 0543 or inform them online about your change in circumstances.
Long-term care Act (Wet langdurige zorg, Wlz)
Other than reimbursements through the Verdragspolis, you are also eligible for care according to the Long-term care Act or Wlz (Wet langdurige zorg). This can be care in kind, such as admission and care in a nursing home.
Health care in the Netherlands or the country where you are compulsory insured
You are entitled to health care in the Netherlands according to the conditions of the Verdragspolis and the Wlz. This applies to your registered family members as well. You and your family members are entitled to health care in the country where you are compulsory insured. If you receive a foreign benefit or pension, your family members may need to ask permission from CZ before they can use health care in that country. This depends on the country where you are insured. CZ can give you more information on this subject.
Why does CZ have agreements with health care facilities?
We consider it very important that health care facilities such as hospitals, pharmacies. physiotherapists and suppliers of medical devices meet certain standards of quality. As we want to be certain that a particular treatment is administered correctly, we have made agreements about these treatments. We have also agreed on the prices that health care facilities are allowed to charge for their services. In this way, we try to manage the costs of health care and keep the Dutch health care system affordable.
How do we settle medical expenses with your foreign health insurer?
We charge the medical expenses reimbursed by the Verdragspolis and the Wlz to your foreign health insurer. Your registration is based on the treaty form issued by your foreign health insurer. The costs are settled between the various institutions, of this you will not be notified.