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Home » Reader question » Reader question: Can I settle in Thailand and remain registered in the Netherlands?
Dear readers,
I would like to settle in Thailand with my girlfriend, but I would also like to remain registered in the Netherlands for my health insurance. Because of my age, you often run into problems. What is the solution?
Yours faithfully,
Henk
It seems to me that the only right thing to do is to stay in the Netherlands for at least 8 months per year because if you stay longer than 8 months you have to deregister yourself from the BRP (the BRP has recently replaced the GBA) and therefore in principle your health insurance will also lapse:
- http://www.rijksoverheid.nl/onderwerpen/persoonsgegevens/vraag-en-antwoord/wanneer-moet-ik-mij-in-de-gba-laten-inschrijven-en-uitschrijven.html
- http://www.rijksoverheid.nl/onderwerpen/zorgverzekering/vraag-en-antwoord/ben-ik-verzekerd-voor-de-zorgverzekering-als-ik-in-het-buitenland-woon.html
Or look for a good insurer, but there will probably be emigrants or expats who can tell you more about it in order to be properly insured for an affordable price. Although I assume that things like age also play a role in connection with premiums, admissions, exclusions, etc
Dear Henk, that's no problem, as long as you stay in NL for four months a year with a valid address for the GBA.
Your health insurer and benefit agencies for your state pension will look into this.
If you stay in Thailand for more than eight months a year, you will lose both when the insurance or government checks.
No, that is not possible, you are obliged to stay in the Netherlands for at least 4 months a year, it does not have to be 4 consecutive months, but it is cheaper due to travel costs, even those 4 months are a critical limit, there are a number of authorities that you can you have to deal with and they all have different requirements, GBA, health insurance and there will be a few more.
My health insurer allows me to stay abroad for 1 year, but the GBA deregisters me when I have not been a “resident” of the Netherlands for more than 8 months per calendar year.
It can be done but not in an official way and if you get caught you're screwed, you could register at the address of family or friends, but at the moment it will be checked whether you actually live here and if that turns out not to be the case, you will be deregistered and you will have nothing left.
In short, if you want to do it neatly, according to the rules it is impossible, if you work creatively there is a good chance that you will be caught, in fact it is simply impossible.
Yours faithfully,
Lex K.
This is the umpteenth time this has been written about. A long time ago I described how I have fared in this area. Take out basic insurance with Univé and then try to take out the Universal Complete Policy with Univé after a year. It covers almost everything abroad and even without a deductible. The monthly premium is 365 euros this year, but you are no longer subject to the 5 percent that you pay on top of your basic insurance and that you do not see on your pay slip or that is withheld by the tax authorities. I have had this insurance for three years and I am very satisfied with it.
Dear Henk, if you want to live in TH for more than 8 months you will be deregistered. If you do not want to be deregistered, this means a return BKK-Ams ticket at least once a year. In addition, there is the premium that you pay for your health insurance fund. Check with your insurer carefully: you need additional insurance on top of your basic package. Also remember that you pay a nominal income-related health insurance premium each year through the tax authorities. Many do not think about this because they do not see this premium on their monthly statement. Hans Bos talks about an inclusive monthly premium of 1 euros per month, which is very realistic. Be that as it may: if you come to live in TH permanently and do not have to return every year, you will save up to 365 euros per month.
Well: you say that health insurance is your concern because of age and any expected defects and illnesses. For less than 500 euros per month you have comprehensive insurance in TH, and you still have half left over. You do not report that you are suffering from any illness or disability, so you do not have to deal with exclusions. In addition: many pensioners have lost their expectation of illnesses and ailments, precisely because of the climate, lifestyle and stress-free environment. So what are you watching?
Finally: see here a link to a NL insurance agency in Hua Hin. Can fully inform you about the TH situation, even if you are older than 65 years: http://www.verzekereninthailand.nl/
If you conceal something and you get sick within a certain period, they will ask for everything, also in NL, because you sign for that when you take out the policy. Have you really concealed something, they pay nothing and expel you and do not refund any premium. I know from others that this has already happened. The best thing is what Hans Bos tells about the unive policy, it is guaranteed to be good without any after-effects. You are entitled to a check-up every 2 years, dental costs up to a maximum of 1000 euros are paid, all medicines and examinations if you do not stay in hospital. In addition, if you still live in the Netherlands, unive cannot refuse you on basic insurance, even if you what's wrong. You can then stay in Thailand for 8 months with this insurance and when you return to the Netherlands you can request to convert your policy, which can be completed in 1 month and you can deregister.
That is the only way to meet all legal requirements and to enjoy a good old age in Thailand, even if you have to go to a nursing home here, this is paid for by unive.
It is indeed true that you are legally allowed to leave the Netherlands for a maximum of 8 months, pay close attention to what your own health insurance has in the policy, for some this is a maximum of 6 months and for others 1 year. Only basic coverage is not enough, so additional and also travel insurance. Pay attention because the government wants to use all health insurance policies as a basis only in Europe, for outside Europe an additional policy must be taken out.
If you only have state pension, you are also entitled to a tax credit, so you actually pay deductions from aow and you get this back through a tax credit. So with only aow there is no advantage at all, only the lifestyle can be a bit cheaper here. Pay close attention to people who will only receive state pension in 2015, those people who are entitled to state pension in 22015 will no longer receive supplements for single persons or supplements for partners. All people who have this before 2015 will keep their rights.
So in other words, it is quite different per person and a financial planning per person must be made in advance. Every person lives differently, different legislation and factors, additional pension, etc.
full file from thailandblog
https://www.thailandblog.nl/dossier/woonadres-thailandnl/wonen-thailand-ingeschreven-nederland/
Here I read all kinds of possibilities regarding the Netherlands, but I would also like to read the opinions of Belgians who know more about this aspect in Belgium. Because according to my knowledge, you can only leave the country for Thailand for 3 months if you want to stay in order for your own health insurance. If something happens or if you are hospitalized in Thailand, the insurance in Belgium will not intervene if you are away from Belgium for more than 3 months. I wish I had known more about this.
Freddy
Read the Thailand Be home address file. (See top left under Dossiers)
I have included a chapter on insurance.
Those 3 months depend on your health insurance
For example, SocMut starts counting the three months from your departure. CM starts counting the three months from when you need medical care.
A big difference of course and I even changed insurance for that reason.
You can read all about it in the file.
https://www.thailandblog.nl/dossier/woonadres-thailand-belgie/wonen-thailand-ingeschreven-belgie/
here for the Belgian section….., I myself have stayed in Thailand for about 3 years each time for 1 year + weeks/months…(!!). WITHOUT deregistration provided that you report a temporary absence of max 1 year to the municipality. Mutual insurance is a different story, you should check that out, I was told that as a tourist you are covered for 3 months of hospitalization, but not if you become an official resident outside Europe, although the word resident in Thailand is another difficult status to obtain. (Permanent resident), we are all “non immigrants” here, so to speak.
https://www.thailandblog.nl/dossier/woonadres-thailand-belgie/wonen-thailand-ingeschreven-belgie/
Dear Henk,
It is possible to stay in Thailand for 8 months a year and remain a resident of your place of residence in the Netherlands. You must have a valid address and stay there for at least 4 months a year. This does not have to be consecutive, but it must be at least 4 months in total. Then you can simply keep your health insurance. You also need additional insurance from your health insurer. And, dear Henk, a valid travel insurance policy, otherwise you could get into trouble. I don't know which health insurance you have, but if it is CZ then there may be another option. But that is only possible if you have CZ health insurance. Not 100% sure if that is still possible. But if you are at CZ, you can reach me via Skype. Dobreden58. Let me know. Good luck.
As long as you have an official address in NL or B, I think there is nothing wrong.
Someone has to empty the mailbox and fax important documents.
You must of course comply with tax returns, contributions, elections, etc.
There is no reason for the government to carry out an address check if you have been living at a valid address for some time and pay your taxes and social contributions properly.
.
What is of course not possible is to receive unemployment insurance or support money in order to develop a lucrative business outside the EU.
Yes, the well-known “problem” of health insurance if you want to live abroad for longer.
the 8 and 4 months that is the rule then I read the advice to live in NL for 4 months a year or to have an address in NL and that must be your official address so in other words you must have a house in NL, a rental house or owner-occupied house makes no difference. The problem is of course that this costs money, rent or mortgage. I'm not even talking about the other costs that a house entails, such as insurance, tax, energy and fill it in yourself, all to avoid expensive health insurance in Thailand?
I almost forgot the return ticket from TH to NL and back. I don't have to be a math whiz to see that this construction will cost you a lot more, apart from the care you have to take when you are not “at home”. I think it is cheaper (if you have decided to live in TH) to sell everything in the Netherlands and deregister. Many also want to live in Thailand because it is cheaper and you can do more with your money than in the Netherlands, but I think this way you are missing the point. I understand that some people have difficulty making a choice, but unfortunately having it both ways is simply not possible.