{"id":1036,"date":"2026-05-10T08:22:35","date_gmt":"2026-05-10T08:22:35","guid":{"rendered":"https:\/\/flytorelocation.com\/nl\/netherlands-health-insurance-emigration-2026\/"},"modified":"2026-05-11T20:12:30","modified_gmt":"2026-05-11T20:12:30","slug":"netherlands-health-insurance-emigration-2026","status":"publish","type":"page","link":"https:\/\/flytorelocation.com\/nl\/netherlands-health-insurance-emigration-2026\/","title":{"rendered":"Dutch Health Insurance When Emigrating 2026: Cancel, S1, EHIC"},"content":{"rendered":"<div class=\"flyto-article\">\n<h1 class=\"flyto-article-title\">Dutch Health Insurance When Emigrating 2026: Cancellation, S1 Form for EU\/EEA and EHIC<\/h1>\n<div class=\"flyto-byline\"><strong>Flyto Relocation Team<\/strong><span class=\"flyto-byline-sep\">\u00b7<\/span><span>Updated May 10, 2026<\/span><span class=\"flyto-byline-sep\">\u00b7<\/span><span class=\"flyto-byline-badge\">\u2713 Expert team since 2018<\/span><span class=\"flyto-byline-sep\">\u00b7<\/span><span>~2 min read<\/span><\/div>\n<div class=\"flyto-langswitch\" lang=\"en\">Also available in <a href=\"https:\/\/flytorelocation.com\/nl-nl\/zorgverzekering-emigratie-2026\/\" hreflang=\"nl\" rel=\"alternate\">Nederlands<\/a><\/div>\n<div class=\"flyto-tldr\">\n<p><strong>Quick answer:<\/strong> Permanent emigration ends Dutch health insurance obligation (Zvw). The Zvw policy must be cancelled with proof of BRP deregistration. Within the EU\/EEA, the S1 form (issued by CAK or SVB) lets the destination country provide care at the Netherlands&#8217; expense \u2014 particularly for pensioners and posted workers. EHIC covers temporary stays only. Private international insurance is required outside the EU.<\/p>\n<\/div>\n<div class=\"flyto-takeaways\">\n<h3>Key takeaways<\/h3>\n<ul>\n<li><strong>Zvw ends<\/strong> on emigration.<\/li>\n<li><strong>Cancel<\/strong> with BRP proof.<\/li>\n<li><strong>S1<\/strong> for EU\/EEA.<\/li>\n<li><strong>EHIC<\/strong> for transition.<\/li>\n<li><strong>Private cover<\/strong> outside EU.<\/li>\n<\/ul>\n<\/div>\n<figure class=\"flyto-img\"><img src=\"https:\/\/pogjpekgbaurdexnlcsl.supabase.co\/storage\/v1\/object\/public\/content-images\/1777325182016-39f1a98e-a468-4431-855a-94cde56c7a06.jpg\" alt=\"Dutch Health Insurance When Emigrating 2026 Cancellation S1 Form for EUEEA and EHIC\" loading=\"lazy\" decoding=\"async\" \/><\/figure>\n<div class=\"flyto-augment\">\n<h2>The end of your Zvw obligation: a hard line, not a fade-out<\/h2>\n<p>Dutch basisverzekering under the Zorgverzekeringswet (Zvw) is mandatory for everyone registered in the BRP \u2014 and conversely, immediately ends on the day you deregister. You must cancel your zorgverzekering with your zorgverzekeraar within four months of the BRP deregistration date by sending the bewijs van uitschrijving (article 5 Zvw). The 2026 reform tightened this: zorgverzekeraars must refund overpaid premiums within 30 days of receiving the cancellation, but a late cancellation can result in continued debt collection that is hard to reverse.<\/p>\n<p>The four large zorgverzekeraars (Zilveren Kruis Achmea, VGZ, CZ, Menzis) and their subsidiaries (Anderzorg, Univ\u00e9, FBTO) all accept the bewijs digitally through their portals or email. The premium for the partial month of the move is prorated to the day. Premiums paid for months after the deregistration date are refunded to your Dutch IBAN \u2014 keep the account open or provide a foreign IBAN for SEPA transfer.<\/p>\n<h2>S1 form: keeping your Dutch entitlements abroad<\/h2>\n<p>If you remain insured under Dutch social security after emigration \u2014 typically because you draw a Dutch state pension (AOW or WAO\/WIA), receive a posted-worker allowance, or are an EU\/EEA frontier worker employed in the Netherlands \u2014 you can continue to use the Dutch healthcare entitlement abroad through the S1 form (formulier S1, formerly E121). The S1 is issued by CAK (Centraal Administratie Kantoor) on application by SVB or directly through Mijn CAK with DigiD.<\/p>\n<p>The S1 entitles you to receive medical care in the EU\/EEA destination country at the local public-system rates, billed back to the Netherlands through CAK. You enrol the S1 at the local health authority (e.g. Spanish INSS, French CPAM, German gesetzliche Krankenkasse, Italian ASL). In return, CAK charges you a verdragsbijdrage (treaty contribution) deducted from your Dutch pension or invoiced separately, calculated as a percentage of your pension income.<\/p>\n<p>For 2026 the verdragsbijdrage rates are: a base premium of approximately EUR 1,800 per person per year for adults plus a country-coefficient (Spain 0.55, Portugal 0.50, France 0.85, Germany 1.00, Italy 0.65, Belgium 0.80). A retired couple moving from the Netherlands to Spain pays around EUR 2,000 per year combined for full healthcare access \u2014 substantially less than private expat insurance.<\/p>\n<h2>Who issues the S1: SVB or CAK?<\/h2>\n<p>The Sociale Verzekeringsbank (SVB) is the front office for AOW recipients: they issue the S1 automatically when you confirm your foreign address. The CAK administers the verdragsbijdrage and the bilateral payment back to the destination country&#8217;s healthcare system. For non-AOW pensioners (WAO, ANW, occupational pension only), CAK issues the S1 directly through Mijn CAK.<\/p>\n<p>Process: submit your bewijs van uitschrijving and a copy of the foreign address registration to SVB or CAK. Within 4-8 weeks the S1 is sent to your foreign address and (electronically) to your Berichtenbox. Take the original to the destination health authority for enrolment. Once enrolled, you receive the local health card (Spanish tarjeta sanitaria, French Carte Vitale, etc.) within another 4-8 weeks.<\/p>\n<h2>If you do NOT qualify for S1: private health insurance options<\/h2>\n<p>Pre-pension emigrants (under AOW age, no Dutch employment, no posted-worker status) are not entitled to S1. They must arrange health insurance in the destination country: either through public enrolment as a resident (Spanish convenio especial, Italian SSN voluntary contribution, French PUMa) or through private insurers.<\/p>\n<p>Major private insurers serving Dutch emigrants include Cigna Global, Allianz Care, BUPA Global and the Dutch-origin Aetna International. Premiums for a 50-year-old in Spain range from EUR 2,500 to EUR 5,500 per year for comprehensive cover. Always include the worldwide-care option if you intend to travel back to the Netherlands for specialist treatment.<\/p>\n<h2>Cost comparison: S1 vs. private vs. local public<\/h2>\n<table>\n<thead>\n<tr>\n<th>Option<\/th>\n<th>Annual cost (single, age 65)<\/th>\n<th>Coverage scope<\/th>\n<th>Eligibility<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>S1 to Spain<\/td>\n<td>EUR 1,000-1,500 verdragsbijdrage<\/td>\n<td>Spanish public system, full<\/td>\n<td>AOW or other Dutch pension<\/td>\n<\/tr>\n<tr>\n<td>S1 to France<\/td>\n<td>EUR 1,800-2,400 verdragsbijdrage<\/td>\n<td>French public system, full<\/td>\n<td>Same<\/td>\n<\/tr>\n<tr>\n<td>Spanish convenio especial<\/td>\n<td>EUR 1,884 (EUR 157\/month)<\/td>\n<td>Spanish public system<\/td>\n<td>1 year residency<\/td>\n<\/tr>\n<tr>\n<td>French PUMa<\/td>\n<td>~6.5% of income above EUR 25,000<\/td>\n<td>French public system<\/td>\n<td>3 months residency, fiscal residency<\/td>\n<\/tr>\n<tr>\n<td>Cigna Global Silver<\/td>\n<td>EUR 3,500-4,500<\/td>\n<td>Worldwide private<\/td>\n<td>Anyone<\/td>\n<\/tr>\n<tr>\n<td>BUPA Global Premier<\/td>\n<td>EUR 5,500-7,000<\/td>\n<td>Worldwide premium<\/td>\n<td>Anyone<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Special situations: gap insurance, frontier workers, and short-term cover<\/h2>\n<h3>Gap between deregistration and foreign enrolment<\/h3>\n<p>The S1 enrolment in Spain or Portugal can take 8-12 weeks. During that gap you are uninsured under both Dutch and foreign systems. Either keep your Dutch zorgverzekering for an extra month (notify zorgverzekeraar in writing) or take a short-term expat policy from Allianz Care, Cigna or AON. Costs: EUR 80-150 per person per month. Always carry the S1 form once it arrives so emergency rooms can bill the Netherlands directly.<\/p>\n<h3>Frontier workers (grensarbeiders)<\/h3>\n<p>If you live in Belgium or Germany but commute to a Dutch employer, you remain insured under the Zvw and pay nominal premiums in the Netherlands. Your family members are covered through the same scheme. The S1 enrolment is administrative \u2014 you register at the local sickness fund in your home country with an S1 from your zorgverzekeraar via CAK. Each year the verdragsbijdrage is reconciled.<\/p>\n<h3>Long-term care (Wlz) abroad<\/h3>\n<p>The Wet langdurige zorg (Wlz) is also subject to the verdragsbijdrage. If you require nursing-home care abroad, the S1 entitlement covers that under the destination&#8217;s public long-term-care system, but quality varies significantly. Many Dutch emigrants in Spain plan for additional private long-term-care insurance (Sanitas, Asisa) to cover residencias geri\u00e1tricas at private rates of EUR 2,500-4,500 per month.<\/p>\n<h2>Cancelling and timing checklist<\/h2>\n<p><strong>60 days before move:<\/strong> notify zorgverzekeraar of the intended move date. Request confirmation in writing. Apply for DigiD voor in het buitenland.<\/p>\n<p><strong>30 days before:<\/strong> contact SVB or CAK about S1 eligibility. If S1 not applicable, get quotes from at least two private insurers and one local public option.<\/p>\n<p><strong>Move day:<\/strong> deregister at gemeente. Bewijs van uitschrijving arrives within 1-3 days.<\/p>\n<p><strong>Within 30 days post-move:<\/strong> send bewijs to zorgverzekeraar to cancel basisverzekering and aanvullende verzekering. Refund of overpaid premiums issued within 30 days.<\/p>\n<p><strong>Within 60 days post-move:<\/strong> register S1 at destination health authority. Activate gap insurance if needed.<\/p>\n<p>Coordinate with the BRP deregistration (see our <a href=\"https:\/\/flytorelocation.com\/nl\/netherlands-brp-deregistration-2026\/\">BRP guide<\/a>) and the AOW transfer (see our <a href=\"https:\/\/flytorelocation.com\/nl\/netherlands-pension-abroad-2026\/\">AOW pension guide<\/a>) \u2014 the verdragsbijdrage is automatically deducted from the AOW once the S1 is active.<\/p>\n<\/div>\n<div class=\"flyto-faq\">\n<h3>FAQ<\/h3>\n<details>\n<summary>How do I cancel?<\/summary>\n<p>In writing to your insurer, with BRP deregistration proof and departure date.<\/p>\n<\/details>\n<details>\n<summary>Who gets the S1?<\/summary>\n<p>Pensioners and posted workers from NL \u2014 apply to CAK or SVB.<\/p>\n<\/details>\n<details>\n<summary>Is EHIC enough?<\/summary>\n<p>Only for temporary stays, not for permanent residence abroad.<\/p>\n<\/details>\n<details>\n<summary>Moving to the USA?<\/summary>\n<p>Private international cover is required.<\/p>\n<\/details>\n<details>\n<summary>Family covered?<\/summary>\n<p>Also covered via S1 under the right conditions.<\/p>\n<\/details>\n<details>\n<summary>How quickly must I cancel my Dutch zorgverzekering?<\/summary>\n<p>Within four months of the BRP deregistration date under article 5 Zvw. In practice send the cancellation immediately with a copy of the bewijs van uitschrijving. Premiums paid for months after the deregistration date are refunded to your IBAN within 30 days.<\/p>\n<\/details>\n<details>\n<summary>Do I keep my Dutch zorgtoeslag after emigration?<\/summary>\n<p>No. Zorgtoeslag is a benefit linked to Dutch residency and the Zvw obligation. Once the basisverzekering ends, zorgtoeslag stops automatically. The Belastingdienst Toeslagen reconciles the year-end amount based on the months you were entitled.<\/p>\n<\/details>\n<details>\n<summary>What is the verdragsbijdrage and how is it calculated?<\/summary>\n<p>The verdragsbijdrage is the treaty contribution charged by CAK to S1 holders living abroad. It mirrors the Dutch nominal Zvw premium scaled by a country-coefficient reflecting the relative healthcare costs in your destination. Spain 0.55, Italy 0.65, Portugal 0.50, France 0.85, Germany 1.00. CAK invoices monthly and deducts from AOW where applicable.<\/p>\n<\/details>\n<details>\n<summary>Can I keep my Dutch aanvullende verzekering after moving abroad?<\/summary>\n<p>Most aanvullende verzekeringen end with the basisverzekering because they require a Dutch zorgverzekering as base. Some insurers (Zilveren Kruis Buitenland, OOM Verzekeringen) offer dedicated buitenlandverzekeringen that complement the S1 with dental, glasses and physiotherapy abroad. Premiums EUR 30-90 per month.<\/p>\n<\/details>\n<\/div>\n<p>Apply for the S1 well before departure to avoid cover gaps.<\/p>\n<p>Flyto Relocation handles your international move from the Netherlands. <a href=\"https:\/\/flytorelocation.com\/nl\/quote\/\">Get a free quote<\/a>.<\/p>\n<p>See also: <a href=\"https:\/\/flytorelocation.com\/nl\/guides\/\">All Netherlands moving guides<\/a>.<\/p>\n<div class=\"flyto-cta\">\n<h3>Ready to plan your move abroad?<\/h3>\n<p>Tailored quotes for 20 European destinations<\/p>\n<p><a class=\"flyto-btn\" href=\"https:\/\/flytorelocation.com\/nl\/quote\/\">Get free quote \u2192<\/a><\/p>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"headline\":\"Dutch Health Insurance When Emigrating 2026\",\"inLanguage\":\"en\"}]}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dutch health insurance 2026 on emigration: mandatory cancellation of Zvw, S1 form via CAK\/SVB for EU\/EEA, EHIC for transition, private cover outside EU.<\/p>\n","protected":false},"author":1,"featured_media":816,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1036","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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