Reader question: Return journey to the Netherlands and insurance

Peter / Klaas,

that's right.
I am also insured with FBTO for medical expenses in kind, ie the prices in the Netherlands, with a long stay clause.
The travel insurance provides a supplement if the medical costs are also insured. Is only a few Euri so do it; seems double but that's how it works with insurance...
Depending on the necessity, permission must be requested in advance, otherwise you will not be reimbursed for everything. Last year, we received an English statement that all medical costs are reimbursed:
I had asked that because last year there was already the threat that you needed it for a visa extension. Not so.
I was admitted 2 x during the lock-down in Chiang Mai Bangkok Hospital with fairly serious complaints (no corona). Total over THB 600.000. I just had to draw. Everything else arranged between FBTO and hospital administration.
If they do ask for the explanation, it's no problem, just send a message to FBTO/EuroCross.
Check whether this applies to code orange (negative travel advice) otherwise you will still be screwed.
As long as I was caged they couldn't refuse by force majeure. I'm curious how it will go in the future. I actually have to go back to NL because of the 4 month rule, but I don't know if I can go back to my Thai family (not married). I also don't have a house in my name (yet); Bought but not ready yet so no registration due to Covid.
Regards,

Thick

My health insurance DSW makes an exception in connection with Corona.

There are a few things at play:

a: 8 months scheme:
after 8 months of residence abroad, one must deregister from the municipal BRP;
one can also expect a response from the Tax and Customs Administration and the health insurer;
(In that case, healthcare costs must be insured elsewhere: foreign insurer or expat insurance).
In this (force majeure) situation, dispensation for a longer stay abroad can be requested from the municipality; it is ultimately up to them to determine, in consultation, how long you can postpone your return to the Netherlands.

b: basic insurance:
this applies to a maximum of 1 year of foreign residence;
to remain insured, you must be able to submit a WLZ statement to the health insurer immediately afterwards; a WLZ study must be requested from the SVB

c: a travel insurance policy can have different terms;
for example half a year or 1 year continuously;
travel insurance companies, to my information, claim health insurance back from the health insurance company;
however, if you stay abroad for longer than the permitted period, the travel insurer may no longer be able to claim the medical expenses from the health insurer.
Will they still pay out?

Isn't Dutch health insurance confused here (as in some other responses) with travel insurance (with medical coverage) with or without worldwide coverage?
For the latter, it is wise to read the policy conditions carefully, preferably before taking out. Expat insurance is often a suitable solution for longer trips. Well, here it is explained: https://www.expatverzekering.nl/ziektekosten

Dutch health insurance is in principle compulsory for everyone living in the Netherlands. Then you pay a premium and sometimes you receive a healthcare allowance. But that insurance never covers costs outside the European Union.

Whether you live in the Netherlands is a factual question, although registration with the municipality will usually be leading. When someone must unsubscribe is described here: https://www.rijksoverheid.nl/onderwerpen/privacy-en-persoonsgegevens/vraag-en-antwoord/uitschrijven-basisregistratie-personen
As a result of an address investigation, someone can also be deregistered ex officio: https://www.rijksoverheid.nl/onderwerpen/privacy-en-persoonsgegevens/adresfraude

Such a deregistration then only has consequences for the Dutch health insurance (and the obligation to pay premium).
Whether this deregistration also has consequences for the (usually private) travel insurance can be found in the policy conditions. This can differ per insurer.