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Home » Reader question » Can I keep my NL health insurance if I stay in Thailand for 8 months?
Dear readers,
I would like to know, if you wanted to go to Thailand for 8 months, could you just keep your health insurer here in the Netherlands? Or does the Netherlands not have a treaty with Thailand regarding medical care?
I have read several messages, one says no treaty and the other says a treaty. I would like to know the correct answer about medical care and the retention of the health insurer in the Netherlands.
Thanks in advance.
Regards,
Herman
Editors: Do you have a question for the readers of Thailandblog? Use it contact form..
As long as you officially live in the Netherlands and stay in the Netherlands for at least 4 months a year, you can simply maintain Dutch health insurance. However, it depends on your insurance to what extent they reimburse abroad. Often it is only in emergencies and/or in consultation. All planned care is then provided in the Netherlands. The amount of the compensation is often also limited to the rates applicable in the Netherlands. If necessary, view the plus options of your company. Start comparing companies.
Herman, I assume that you want to take a one-off long holiday in Thailand and then simply return to NL. So you don't say home and job/benefits etc and don't unsubscribe from NL.
Then eight months is too long; make it seven. Maintain your relationship with NL and certainly your place of residence and then you will remain registered in NL, pay tax and national insurance and the health insurance premium in NL and you will remain insured. You then keep the tax credit(s).
The health care policy insures abroad up to a maximum of the NL rates; check with your health insurer and, if desired, take out an additional module. And of course a travel policy with repatriation. Remember that in the event of illness and accident in Thailand, only the immediately necessary costs will be paid; major operations are only paid if you have them done in NL. There is no treaty on medical care between NL and TH; Your health insurance policy provides worldwide coverage, right? Check that out.
Don't go to TH for just under eight months every year. Then questions will certainly arise about your place of residence and you can lose the health care policy; you won't be the first to experience this.
Finally; I don't know what your income is, but do you receive a benefit? Please note that some benefits set a maximum on the holiday time and/or written permission is required in advance.
Google is your friend:
Are you going abroad for a longer period of time, for example during a trip around the world? Then it depends on the length of your trip whether you can keep your health insurance. For trips shorter than 1 year, you will remain insured under Dutch law and you can keep your health insurance.
Source: https://www.rijksoverheid.nl/onderwerpen/zorgverzekering/vraag-en-antwoord/hoe-ben-ik-voor-zorg-verzekerd-als-ik-op-vakantie-ben-in-het-buitenland
Peter (editors), the riddles are far from over and this is one of them.
This world trip, which also says 'for example', from the national government, of all places, is presented slightly differently in this link from the SVB: https://www.svb.nl/nl/wlz/wanneer-bent-u-verzekerd/u-gaat-op-wereldreis-of-gaat-backpacken
The question in this case is whether there will continue to be an obligation to take out insurance for the WLZ, and the entitlement to a health care policy depends on that status. If you put both next to each other, you see differences AND you wonder whether or not an 'ordinary' holiday of eleven months is included.
That is why I am cautious about Herman's eight-month plans and I read that Willem thinks the same way. A family member of mine has made a world trip of less than a year and has submitted this in writing to the SVB. And got a YES but with conditions. I will pass that advice on to Herman: whatever you ask, do it on paper!
The riddles are not there at all; insured under the Long-Term Care Act is even more extensive than the standard scheme for traveling abroad because then, covered by the Long-Term Care Act, you can remain insured for the health insurance even with a stay abroad of 1 to 3 years. Your family member has been misinformed or the conditions will be that you are not allowed to work abroad, because then the health insurance only applies for a stay abroad of 3 months.
But for anyone who travels abroad (on holiday and not for work), you are obliged (!) to keep your health insurance for a period of 12 months. This information comes from the National Government, look at the information in the link:
https://www.nederlandwereldwijd.nl/zorgverzekering-buitenland/reizen
This means, for example, that if you go on a trip for 10 months and you deregister from the Municipal Personal Records Database at the municipality, you still have to keep your health insurance.
The term for deregistration from the municipality is 8 months, not 7 as you write to opt for certainty. The municipality has other things to do than follow everyone, just as you don't get a fine for every speeding violation. The municipality will first have to obtain information, you will receive a message and you can still respond and you do not have to prove that you are constantly (during these 8 months) away because within Europe it is possible to travel without a passport and how can you ever prove whether or not you reside in the Netherlands. In short, inspection by the municipality is almost impossible, takes a lot of time, etc. and then you are just months further than the 8-month term. And should it happen that you are deregistered in the most exceptional case, you can simply register again, nothing to worry about because even for tax purposes you will continue to be Dutch resident. Deregistration does not happen retroactively, just to say something. In addition, you can even be registered in BRP with a stay of 10 months because you book 8 months and at the end of this you decide to stay 2 months longer and extend your ticket and see here you have proof that you originally intended to stay 8 months maximum stay away for months and then you change this intention; this is the basis that allows you to stay away even longer than 8 months without deregistration. You see bears on the road that are not there.
Thanks for this link. This is clearer than the other links. I am missing an effective date and a publication date.
What kind of question is this, if you are born in the Netherlands from a Dutch parent and are therefore a Dutch citizen, you will not ask the relevant article of law whether it is correct what the government writes that you are Dutch.
Effective date and date of publication is irrelevant, it is published by the official government and therefore you can derive rights from it, it is now without date so it now applies and if a regulation or law changes, this will be adjusted here and in publications elsewhere
But ok, if you click the menu you will come across the following, for example:
On nederlandworldwide.nl you will find all information from the Dutch government in one place. For when you are abroad. Or go there. The Netherlands Worldwide is part of the Ministry of Foreign Affairs
and then you will also find:
Partnerships
We work together with these Dutch government organizations:
tax authorities
CAK
Education Executive Agency (DUO)
Road Traffic Department (RDW)
Municipality of The Hague
Immigration and Naturalization Service (IND)
Logic
Ministry of General Affairs (Rijksoverheid.nl)
Nuffic
National Identity Data Agency (RVIG)
Collaboration Organization for Vocational Education and Business (SBB)
Social Insurance Bank (SVB)
Foundation for Dutch Education Abroad (NOB)
Employee Insurance Agency (UWV)
Association of Dutch Municipalities (VNG)
Years ago we always went to Thailand for 8 months a year and were simply insured with the VGZ. AOW benefit from SVB. Suddenly I was told that I had been deregistered from the health insurance because they assumed that I had emigrated. It took a lot of effort to prove that this was not the case. In the end it turned out that the SVB only allowed you to remain eligible for health insurance for 6 months MINUS 1 day. We've been doing this for about 5 years now. Never had any problems again.
So that's not right.
Peter, that was the practice before the BEU treaty NL-TH. After all, Foodlover wrote 'years ago'. In those years I read a case study about this situation in a forum.
Foodlover, on the SVB site you can find an article about the allowed duration of a holiday abroad if you have a state pension and possibly a supplementary benefit.
Foodlover's story shows that you are registered via the chip in your passport when you leave the country. How else can an SVB know how long you will be/are going away?
I can agree with Foodlover's story. Years ago I also heard the term of 6 months at the SVB Breda office. Now that is 8 months, but if you will be away for more than 3 months, you must inform the SVB.
Now I wonder who actually does that? And why should the SVB know that? What about the privacy rules? But that aside, because that is not the topic here, but perhaps a nice topic to throw into the group!
Khaki
You do not have to report a holiday, the SVB site does not indicate this anywhere and does indicate when you do have to report something, and holiday is clearly not listed. If your country of residence remains the Netherlands and you go abroad for less than 8 months, you do not have to report anything. See my earlier response and reference to the site nederlandwereldwijd.nl, here you will also find the 8-month term, and SVB is one of the organizations that participate in the government site.
Hearing from civil servants and others is of little use to us, but what the government (including SVB) tells us in black and white is.