Read the frequently asked questions (FAQ) about the Wlz scheme
If you start living, working or studying outside the Netherlands, it is not always easy to know whether you are insured under the Long-term Care scheme (Wlz scheme), and whether you can keep your Dutch health insurance. Find out more by reading the frequently asked questions (FAQ).
Everyone who lives or works in the Netherlands is, in principle, covered by Dutch national insurance. The national insurance schemes include the Wlz scheme. Even if you do not need long-term care, you are automatically insured under the Wlz scheme.
Whether or not you are still covered by Wlz insurance will depend on what you are going to do outside the Netherlands. If you start working in another country, your Wlz insurance will normally stop, and you will not be able to keep your Dutch health insurance. But every situation is different. Contact us and ask us for an assessment of your Wlz insurance position.
If you are travelling, you will normally stay insured under the Wlz scheme. This means that you can keep your Dutch health insurance and any medical expenses will be covered by your Dutch policy. However, if you start working during your travels, your insurance situation may change.
If you come to the Netherlands to study, you are not automatically subject to compulsory insurance under the Wlz scheme. If you are only studying here, you will normally not have to take out Dutch health insurance. But if you start working in the Netherlands alongside your studies, or if you do a paid internship, you may well become subject to compulsory Wlz insurance.
Your Dutch health insurer does not know for certain whether or not you are insured under the Wlz scheme. They can only offer you health insurance if you are insured under the Wlz scheme. That is why they have sent you a letter. You can prove whether or not you are insured under the Wlz scheme by asking us to assess your Wlz insurance position.