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Home » Reader question » Reader question: Can you stay in Thailand for a year with health insurance in the Netherlands?
Reader question: Can you stay in Thailand for a year with health insurance in the Netherlands?
Dear readers,
I have a question regarding health insurance with Menzis. I have heard that if you have not deregistered from the Netherlands but do have a postal address and you are insured with Menzis that you can simply stay away from the Netherlands for 1 year without any problems, and that you are still insured?
I always thought that you can leave, but that you are not insured for more than 3 months and then the insurance expires?
Are there people who are insured with Menzis and who can provide clarity about this. Then it might be interesting for a lot of people to register in the Netherlands again with a postal address?
Thank you for the necessary information,
Dirk.
Why ask the question here, where you can expect many nonsensical answers. Just write to Menzis and ask there. Then you know from the best source.
What Sjaak S says is correct and correct. I am insured with Menzis and I have inquired with them and you are allowed to leave the Netherlands for about 6-8 months, but you cannot have a treatment done in the hospital without contacting Menzis for their approval if you do not have permission they do NOT pay.
Hi Dirk,
It certainly won't work with a “postal address”. You really need to have a place of residence to have basic insurance.
Yes …..and then you will have to deal with the 8 months/4 months arrangement. If you are abroad for more than 8 months and you end up in a hospital, the question is whether the basic insurance will pay out.
If it is found out that you do not meet the requirements of 8/4 months, this will certainly have consequences for health insurance. and any benefits. It has been discussed too extensively on this blog …….so do a search Dirk.
Regards Jan.
Just take a look at Rijksoverheid.nl. Being away for longer than 8 months is regarded as emigration. You will then have to deregister from your municipality (BRP, Basic Registration of Persons) and will therefore no longer be covered by the national insurance.
http://www.rijksoverheid.nl/onderwerpen/persoonsgegevens/vraag-en-antwoord/wanneer-moet-ik-mij-in-de-gba-laten-inschrijven-en-uitschrijven.html
There is a dossier on medical expenses in this blog. Consult that, is my advice.
And your question has an answer and that is 'no'. If they find out, you will pay back the benefits and you will know what care costs. Unless you have written permission from them. So go ask.
You sketch a strange situation there, Dirk. You have been deregistered (with postal address) from the Netherlands and you are still insured with Menzis.
If that were correct, you may already have a problem with Menzis. So a year in Thailand would not change that much.
It is best to first read carefully what has already been said about this repeatedly and - if necessary, contact Menzis.
It really says by the questioner
typed UNSUBSCRIBE !!!
This literally says "you have not deregistered from the Netherlands, but you do have a postal address". With only a postal address you are not registered in my opinion. So the questioner is rather unclear.
Dear Dirk,
Your question is somewhat contradictory. You write “that if you have not deregistered from the Netherlands but do have a postal address”. So that's double.
The website of the national government states: “You must register in the Municipal Personal Records Database (BRP) as a resident if you are settling in the Netherlands from abroad for longer than 4 months. You must deregister if you leave the Netherlands for more than 8 months.” That is what Jan also means for this.
If you stay outside the Netherlands for longer than 8 months, there is nothing to worry about, as long as people do not find out. If you do find out, it can have far-reaching consequences. All your rights may expire retroactively and fines may be imposed.
You have not indicated how old you are or whether you receive a certain benefit. If you live on a benefit, other rules may apply to the duration of your stay abroad.
My advice is don't gamble.
Dear Josh,
Where do you get that wisdom from? I think that refers to importing/exporting a car?
As mentioned, you need more than a postal address, but you must actually be registered somewhere. This in turn has consequences for the main occupant in terms of any rent subsidy, amount of benefits, and also the municipal levies for water, waste, etc.
All in all, you arrive at a nice annual amount, for which you might be better off taking out a nice health insurance policy abroad?
Dear people,
I speak from my own experience, I moved to Thailand 14 years ago and I was then insured with CZ and when I went to the head office to ask what they could do for me,
I got the answer: that I just got a foreign insurance from them that was naturally a bit more expensive.
And I gave them my new address in Thailand and told them that they can deduct the new premium from my Giro every first of the month.
So for the Cheap Charly's among you, it IS possible to have health insurance from the Netherlands, but then you have to pay a little more than the health insurance premium of 115 euros.
8 months and 4 months scheme is nonsense, and if you don't believe me, just call your health insurer, because they will tell you exactly where it is possible.
But every case is different, because recently a Dutchman told me that he could not get insurance in NL. to be able to stay in Thailand.
I tell him how long have you been insured with your health insurer? For more than 25 years , then I immediately said , then they have to make you an offer .
Then he says they don't, I say give me the email address of that insurance company and your full name and address.
I am sending this insurance an e-mail on behalf of this Dutch person.
The same day I received an answer from them, she told me that if he pays his premium of 6582,34 euros (last 4 years), then maybe we can do something for this person.
So dear people, don't believe every Dutchman, because not everyone tells the full truth.
Best regards,
Jos
Dear Josh,
You went too fast through the corner. Finally, you write: "So dear people, don't believe every Dutchman, because not everyone tells the full truth." That also applies to you, Jos.
Laws change every year, including their effect. What was possible 14 years ago is often no longer possible in 2014. The 8/4 months regulation concerns registration in the BRP. For the statutory basic insurance (for which an acceptance obligation applies), you must formally live in the Netherlands. The 8/4 months scheme applies to this.
Basic health insurance did not exist 14 years ago. Then there were health insurance funds and they had completely different rules.
Within the European Union, the same rules apply to the Health Insurance Act. People pay health insurance premiums in the Netherlands and are dependent on state hospitals in another EU country. In the meantime, special health insurance policies have been developed in Spain, for example, so that people still have their own choice of health care provider.
The Netherlands has also concluded treaties with a number of countries. I don't know if that also happened with Thailand. If that is not the case, a Dutch person living permanently in Thailand (registered from the BRP) has no rights under the health insurance law. However, each insurer is free to offer health insurance for those cases as well, but that is not an obligation and other requirements or exclusions may be imposed.
In addition to what I wrote above, I refer to the website provided by Orean Eng, which reads the following:
Thailand is not a treaty country of the Netherlands in the area of healthcare costs. This means that you are no longer entitled to Dutch basic insurance if you emigrate to or stay in Thailand for a long period of time.
Thanks to Ocean Eng.
http://www.verzekereninthailand.nl
They have the answers. It seems to differ per company. Everyone has the right to travel around the world, so your insurance will continue. If, in most cases, you are going away for more than a year (depending on the company), you will have to request this... but I am not an expert.
This is an insurance question….. http://www.verzekereninthailand.nl
I (as a person over 50) have had a continuous travel insurance with Joho for 4 years. About 625 euros per year. Naturally reimburses urgent medical costs, among other things. (In those 4 years I had 100 euros somewhat urgent medical costs + return ticket due to death.)
Maybe that's an idea?
There are also excellent health insurance policies aimed at SE Asia. (I now pay about 700 euros for such an insurance policy, with an excess of 1000 euros, and I always take out travel insurance if I stay in the Netherlands for a while.)
Maintain health insurance in NL and do not comply with the 8/4 month rule… risk!
In the 90s I had a registration address for Euro 50 p/mth, where I did not live, registered with the GBA where does it matter, and was insured with Menzis.
I got something with my lungs and first went to Sirikit Hospital where I stopped going after countless bills. After a phone call to Menzis asking if I could go to Bangkok-Pattaya Hospital for treatment and getting approval, I was treated there. This did not cost me a cent and I was even reimbursed for the paid vouchers from Sirikit Hospital. Came regularly in NL.
Dear Theo,
in the 90s, the Health Insurance Act did not yet exist, so neither did the conditions.
I actually live in Spain, but I am registered in the Netherlands (and meet the conditions). In addition, I have a continuous travel and cancellation insurance with worldwide coverage, including for medical costs. My healthcare provider has concluded contracts with healthcare providers in Spain so that I don't have to advance anything. In Thailand, my annual travel insurance offers a solution, including repatriation to the Netherlands. As a result, I am covered worldwide at a relatively low cost.