This information it has been written for the employee but is also on the frontier worker and the self-employed person. Where this deviates this is mentioned explicitly.

Current situation
You are insured now private, you standaardpakketpolis have (Wtz insurance) or you are insured public (IZA/izr or DGVP).
This means that you compensate for your medical expenses gets because in your policy a foreign country cover has been incorporated. Moreover are you oblige Awbz-verzekerd (insurance for long-term care). The costs which you make can directly declare you at your care insurer. You use for this of Awbz-restitutieregeling.

The impact of the setting-up of the care insurance law
The Zvw are socialezekerheidswet as a result of which apply the European social certainty regulation (the regulation). Moreover bilateral sociaalzekerheidsverdragen are which have been closed by the Netherlands with other countries, in which have been taken a regulation for the attribution of medical care, also on the Zvw.
People who are insured under the social security system and fall under the regulation or a treaty, are entitled to medical care such as that in the country of residence are
regulated; the so-called country of residence parcel. This care is granted by the institutions of the social health insurance of the country of residence.
The costs of this care are charged to the Netherlands. The Care Insurance Board (CVZ) looks after the financi? run.
Because you work in the Netherlands, are you verzekeringsplichtig for the Zvw. you must a care insurance conclude at a Dutch insurer of your choice. Moreover you are insured under the social security system by setting-up of the Zvw as a result of which applies the regulation or a treaty to you.
In your country of residence you can call upon care in two manners:
1. If you in the Netherlands have chosen for an insurance where you the costs of care which you enjoy abroad your insurer get compensated for (restitutiepolis), can call upon you abroad care and declare the account at your Dutch care insurer.
You can call upon care in the Netherlands with your restitutiepolis also.
The expenses of abroad enjoy care are reimbursed to Dutch criteria. This means that the compensation can be lower than the costs which you have paid to the care provider.
2. You can register yourself with a form of your Dutch care insurer with the social health insurance company of your place of residence. In your country of residence are entitled you then to the country of residence parcel at the expense of the Netherlands.
As the Zvw it has been introduced, pays you a flat-rate contribution to your care insurer. Beside the flat-rate contribution is there income-related
insured person contribution which is paid by your employer.
If you are self-employed person you must income-related pay insured person contribution himself.
No-claimteruggaveregeling, which have been introduced by 1 January 2005 in the Health Insurance, continue exist also under the Zvw and also precede you to apply. New in the Zvw is that you can right dependent on your income on a care allowance as an allowance in the costs of the flat-rate contribution. The Tax and Customs Administration occupies himself with the implementation of the law on zorg-toeslag. For questions about this you get help at the Tax and Customs Administration.

Consequences on the AWBZ
By setting-up of the Zvw you are insured under the social security system. The voluntary AWBZ insurance is for this reason no longer necessary and comes expire. Also Awbz-restitutieregeling come expire. For people who at the setting-up of
already Awbz-zorg enjoy the Zvw a transitional measure applies (to see verderop).
You pay income-related premium for the AWBZ.

Family members
He who family member is it is stipulated by the legislation of the country where you live. In general this the spouse is and under 21 children without own income. You this can inquire from the social health insurance company in your place of residence.
The family member is niet-verzekeringsplichtig for the Zvw but has only
revendications on the basis of the regulation or a treaty, the so-called treaty revendications. This meanss that the family member is entitled to medical care such as that in the country of residence has been regulated; the so-called country of residence parcel.
As the Zvw, is the family member of 18 years it has been introduced and older a contribution to the CVZ chargeable. This contribution is levied at the one of which the right to care has been inferred (employee, frontier worker or independent). Family members younger than 18 years are no contribution chargeable. For family members of 18 years and older no-claimteruggaveregeling, which have been introduced by 1 January 2005 existed in the Health Insurance, also under the Zvw, remain.

Transitional measure Awbz-zorg abroad
Like for this it has been indicated, is entitled you to the country of residence parcel. That country of residence parcel is possible more or less is extended than the Dutch package of care. For people who receive now already care at the expense of the AWBZ, problems can arise there when that care has not been incorporated in their country of residence parcel. For problems to occur, becomes to foresee in a transitional measure. The transitional measure means that people who, the moment the Zvw are introduced, enjoy Awbz-zorg in
can continue foreign country, this care or from that resulting continuation care at the expense of the AWBZ.

What has do you?
. You must a care insurance conclude at a care insurer to choice if you conclude no zogverzekering, then the CVZ impose you a fine.
. Family members must communicate themselves at the CVZ. If your family members do not communicate themselves at the CVZ, then the CVZ impose you a fine.
. If you choose care to call upon on the basis of the regulation or a treaty you must register yourself with a social health insurance company. in your country of residence.
If you have family members and you do not register yourself your family members can who Zvw-verzekerd are not do not claim the country of residence parcel.

Source: Minvws.nl, brochure your health insurance if you live abroad