You receive a pension or benefit

If you receive a non-Dutch pension or benefit, select the situation that applies to you and see whether you are insured under the Dutch long-term care scheme (Wlz scheme).

Your situation

When we assess your Wlz insurance position, we look to see which country pays your pension or benefit, or whether you receive a pension or benefit from more than 1 country.

  1. If you receive a long-term pension or benefit

    If you receive a pension or benefit from a country in the European Union (EU), European Economic Area (EEA) or Switzerland, for example an old-age pension or a benefit because of incapacity for work, you will be insured under the Dutch social insurance schemes, but you will normally not be insured under the Wlz scheme.

  2. If you receive a short-term pension or benefit

    If you receive a short-term pension or benefit from a country in the European Union (EU), European Economic Area (EEA) or Switzerland, for example an incapacity benefit or a sickness benefit, you will normally not be insured under the Dutch Wlz scheme. You will be covered by the social insurance schemes of the country that pays your pension or benefit.

  3. Verdragspolis (international health insurance agreement)

    If you have non-Dutch health insurance, it may be possible for you to take out a ‘Verdragspolis’. This means that your medical care in the Netherlands is paid for in the same way as if you were insured in the Netherlands.

To decide whether you are insured under the Wlz scheme, we look at which country pays your pension or benefit, and which country you are resident in.

  1. If you receive a long-term pension or benefit

    If you get a Dutch pension or benefit such as an AOW old-age pension or a WIA incapacity benefit, you are not insured under the Wlz scheme.

  2. If you receive a short-term pension or benefit

    If you get a Dutch pension or benefit such as a WW unemployment benefit or a ZW sickness benefit, you are insured under the Wlz scheme.

  3. Medical care in the country where you live

    You may be able to get medical care in the country where you are living. The CAK is the organisation that decides whether this is possible. If so, the CAK will give you an S1 form (formerly E121). This is a statement to show that you are entitled to receive medical care in the country where you are living. For more information, please contact the CAK.

Every situation is different

Our website cannot show you immediately whether or not you are insured under the Wlz scheme. Every situation is different. If you have any questions, please contact us. If you want to know whether you are insured, apply to us for an assessment of your Wlz insurance position.

More information