Reader question: I am no longer registered in the Netherlands, what are the consequences?
Dear readers,
I have a few questions I am 61 and I took early retirement in May 2013. Now I have been staying in Asia since May 2013, which was always a wish of mine. Since 1995 I have pledged my heart to this area. First traveled around for a while and since November 2013 in Thailand with a 90-day visa and now with a multiply entry visa for 1 year, the latter always gives me the opportunity to go away.
Can I obtain such a visa every year in the Netherlands at the embassy without any problems? I am no longer registered in the Netherlands at the moment, but I do have a postal address for my contact with the authorities. I do pay premiums and taxes, and I still have health insurance and I also receive a health care allowance, is this possible?
What consequences does this have for me? For example, do I keep it for my citizen service number? I always had a continuous travel insurance in March, I extended it for a long-term travel insurance for 1 year. Is that possible? I won't have any problems with any declarations? And could someone point me to other options.
I myself was already thinking about registering again at an address in the Netherlands.
With kind regards,
Joop
Dear Joop, the answers to your questions are in our file: https://www.thailandblog.nl/dossier/woonadres-thailandnl/wonen-thailand-ingeschreven-nederland/ Why don't you read that first?
The structure you have now is not possible. You must be registered in the Municipal Personal Records Database (BRP), the former GBA, in order to have Dutch health insurance and travel insurance. So what you are doing now is illegal and tends to commit fraud, with all possible consequences.
Just emigrate, report this to the tax authorities, request an exemption from the national insurance and health insurance act and possibly wage tax so that you have more net.
Inquire about the health policy because you will lose the NL policy; it was written about in this blog a few days ago. Your ongoing travel policy, if it is taken out with a Dutch company, will be stopped upon discovery and the question is whether it will pay out if something happens.
As Khun Peter suggests, the situation now has gone over the edge. You rely on two policies and those companies can simply refuse to pay out.
At the time I also had my deregistered in the Netherlands and paid my health care premium for another 14 months (I had taken out BUPA health insurance in Thailand) and later received it back with retroactive effect, so at the time of deregistration the Dutch health insurance is no longer required to pay ( except to repay the health care premium you paid (after deregistration).
Dear Joop,
I think you're walking around uninsured at the moment. If you are not registered in the Netherlands, the health insurance will lapse. You are also not entitled to healthcare allowance. In addition, you also do not accrue AOW rights in the coming years (about 14%).
To be eligible for the above, you must be officially registered in the GBA and actually reside in the Netherlands for at least 4 months. Incidentally, the control of the latter is not (yet) strict. It is true that your passport shows that you are NOT in the Netherlands for 4 months a year.
Jasper. the only thing that is wrong with your story is that you are no longer accruing state pension. You lose the automatic accrual as you do in the Netherlands, but you can continue to accrue AOW, at least for a number of years. This remains linked to your income for the year and income you earn in Thailand is also included.
But no matter how little you would earn, you pay a statutory minimum premium unless you want to stop the further accrual.
If you are deregistered in NL, the accrual of your AOW stops, you lose 2% per year and I have experience with that..
Indeed, if you normally continue to pay your AOW premium if you have income or not, there will be no reduction, you will not do this than 2% reduction per year…………….
Given the breakdown of the state pension, it is probably better to put that money in a piggy bank, instead of voluntarily taking out additional insurance.
You must pay tax on the AOW premium that you now pay during your AOW benefit.
That hardly seems like a good deal to me.
Dear Joe.
You actually ranted like a chicken without thinking after you discovered how high the quality of life is in that “paradise”.
Well be wise and read the three previous comments carefully. No one begrudges you anything….
But you can run into so many problems because you don't realize what you might be dropping. It may not be too late now!! But to just stay here without consulting………….
Getting a visa is not an issue at all. But what you leave behind........
Stay “happy” Joop.
Dear Joop, I am therefore not the Joop of your piece, if you are not registered in the Netherlands, you do not pay social insurance premiums, but you usually do pay tax on income. If you receive a pension from a pension fund (eg survivor's pension, etc.), then that pension fund will be automatically informed by the municipality where you are deregistered. The same applies to health insurance policies, they will also be notified of your deregistration and will terminate your policy and, of course, the taxes. You must cancel the healthcare allowance yourself, because you are not entitled to it
A postal address has nothing to do with your deregistration.
I therefore doubt that you have been unsubscribed. Ask the municipality where you say you deregistered, because this is not correct at all.
thanks for the reply
But when I returned to the Netherlands last March, there was a letter from the municipality stating that I could be registered in the municipality for a maximum of 8 months with the postal address I had at the time and that if I do not respond to that letter from the municipality within 14 days, possible extension of that period they would deregister me, that letter was dated November 2013, but at that time I was in Thailand for about another 4 months, so I went to the municipality in March, too late, so I asked if I could still join in could register with the result that this was not possible.
So I immediately stopped my health care allowance with meze2b today
Before I left for Thailand again in April, I had contact with my pension fund about the tax and my health insurance, and I also took out travel insurance, all with the question, will I have problems if I leave and cut that old age pension by 2% per year? I knew.
I had to send a letter from the tax authorities with identification with my postal address and I also talked specifically about my healthcare allowance, but that was no problem.
And I use medicines that I have to take every day, which I needed for 1 year, but a pharmacy normally only gives for half a year, then my insurance helped me to get it for 1 year
greetings yup
Dear Joop,
You say yourself that you are no longer registered in the Netherlands, so you have emigrated.
You must do this via the tax authorities in Roermond, they will draw up the final bill for you.
From that moment on you will no longer accrue AOW years. (for your 4 years = 8% reduction on the payment) You are also no longer entitled to health insurance (very advantageous in the Netherlands)
Do you receive care allowance??? while you are no longer registered in the Netherlands (I didn't know that was possible)
All in all a pretty mess if you ask me.
My proposal; first read the blog “home address”, as described above.
And you can also extend an annual “O” visa in Thailand at the immigration service, but please note that you have to leave Thailand “for a while” every 90 days. If you don't do this, you will receive hefty fines.
Greetings Nico
Moderator: Please no speculation about visas. Here is the correct information: https://www.thailandblog.nl/category/dossier/visum-thailand/
Dear Joop,
You made a nice mess of it. First of all, you probably haven't been unsubscribed.
Because if you have officially deregistered, you have also received a deregistration certificate from the Municipality. This also means that from the date of deregistration you are no longer insured in accordance with the health insurance, which means that you are no longer insured at this time.
If I were you, I would act very quickly, otherwise you will be in serious trouble.
And that's really not fun.
I do have some tips for you on how to act. So if you want them, let me know your email address and I'll get back to you. Best regards
Just add a small piece about that state pension that is correct at 2 percent per year, but there is or was a possibility to voluntarily insure yourself for the state pension with the SVB, and the premium is calculated on the income of the year in question.
It's just a small rule, greetings and see you next time.
if you have a residential address in the Netherlands, where you still pay taxes, etc., you are still registered in the Netherlands. You must realize that you have the obligation to stay in the Netherlands for at least 4 months. If you fail to do so, your rights to health insurance, among other things, will lapse.
I myself am 62 years old, have deregistered from the Netherlands, so no more health insurance and other burdens such as tax liability. I am no longer liable to pay tax in the Netherlands, so my pension is also paid out net, but in Thailand you do not pay 33% there, but only 7% if you work. I have a retirement visa, which I arrange myself every year for 1900 bath, plus a 30 euro fee for an income statement from the consulate (see their website). At any immigration office you can get all the correct information about the possibilities and obligations free of charge
Maybe worth a visit.
Hi Tallay
You indicate that you are no longer liable to pay tax in the Netherlands. To get that done, you must be able to prove that you are registered with the tax authorities in Thailand, right?
The story seems a bit strange to me, but I assume that you have indeed been officially unsubscribed. If that is indeed the case, then the following applies:
AOW: missing AOW - buying years now seems impossible to me, because you are no longer compulsorily insured for the AOW and do not work in NL. You will therefore receive a discount on your state pension. See following link:
http://www.svb.nl/int/nl/aow/actueel/nieuwsoverzicht/140324_strengere%20_voorwaarden_inkoop_aow.jsp
Travel insurance is a nice addition. Since you are apparently not registered in NL, normal Dutch basic health insurance and recommended additional health insurance are impossible. You are therefore dependent on other coverage options. See the following link for possible alternatives:
https://www.thailandblog.nl/dossier/ziektekostenverzekering-thailand/
Indeed, you may be walking around uninsured; so it is advisable to take action quickly, so that you can enjoy your retirement with peace of mind.