VPZ Expat Insurance

Your health insurance abroad

If you are living in the Netherlands and take holidays abroad then you will remain insured by the AWBZ as well as the Health Insurance Act, unless you start working abroad.

The basic insurance cover is not limited to the Netherlands. Your health insurer may also reimburse healthcare costs incurred abroad. However, the level of reimbursement will be limited by the tariffs applicable in the Netherlands or as described in your policy. There is therefore a real possibility that costs will either not be covered by the basic insurance or not covered in full; an additional insurance and travel insurance will therefore still be required.

The Netherlands has concluded international agreements with a large number of countries regarding the provision of medical care to each others' policyholders. These countries include EU / EEA countries and treaty countries. The costs of medical care provided to you in one of these countries will be reimbursed in retrospect by the Netherlands (and vice versa). However, this will only come into effect once an administrative process has been conducted.

VPZ is a specialist in implementing these administrative processes.

Differences per situation

The following situations may apply to you if you are living in an EU / EEA or treaty country.

* Working in the Netherlands from an EU / EEA / treaty country
* Seconded to the Netherlands from an EU / EEA country or Switzerland
* Seconded to an EU / EEA / treaty country
* Deployed as a civil servant to an EU / EEA / treaty country 
* Self-employed in an EU / EEA country or Switzerland and working as an employee in the Netherlands
* Working as an employee in the Netherlands and self-employed in Belgium
* Working in an EU / EEA country or Switzerland and in the Netherlands
* Working in international transport
* Working on a drilling platform

The following situations may apply to you if you are living outside an EU / EEA or treaty country.

* Working in the Netherlands but not from an EU / EEA / treaty country
* Seconded to a treaty country without health insurance
* Deployed as a civil servant to a non- EU / EEA / treaty country 
* Working in international transport

Different legislation and rules apply to each situation. We understand that you don't want to have to get involved in all this and that's why we'll do it for you. We have been looking after the paperwork for various insurers and companies for years.

The reasons for choosing VPZ

* The same cover as with all other health insurers
* Additional discount on premiums compared with individual policies
* Specialist in administrative processes and foreign healthcare
* Partnership with Cigna, a large American insurance company