CAK calculator
What do you pay for healthcare from abroad?
Moving to a treaty country with AOW (the Dutch state pension) or a Dutch pension? Then your healthcare runs through the CAK, the Dutch agency for healthcare abroad. You pay a treaty contribution (verdragsbijdrage). It is deducted from your pension every month. How much it is depends on your income and on the country. Work it out here, for one country or for three side by side.
AOW plus pension, before tax. Do you have other income too, from the Netherlands or from your new country? Include it: the CAK uses your worldwide income.
For example your partner without their own Dutch pension or benefit. You pay the fixed amount for each of them. Children under 18 cost nothing. Does your partner have their own AOW or pension? Then they pay their own contribution: work that out separately.
Enter your income and choose a country. You then see what you pay per month.
How the CAK calculates it
(fixed amount × 12 × number of insured + Zvw percentage × income + Wlz percentage × income − tax credits) × country factor = treaty contribution per year
- Fixed amount: € 157 a month, for you and each co-insured family member aged 18+.
- Zvw part: 4.85% of your income, up to € 79,409.
- Wlz part: 9.65% of your income, up to € 38,883 (born in 1945 or earlier: € 41,123).
- Minus tax credits: Only off the Wlz part, and that part never goes below zero.
The country factor (woonlandfactor) says how expensive healthcare is in your country of residence compared with the Netherlands. In the Netherlands it is 1. In Spain it is 0.4408: you pay 44% of the Dutch amount there.
The CAK has its own calculator too, for one country at a time. Here you put countries side by side. Unsure about your own case, for example with a WIA or Anw benefit? Then calculate there as well. To the CAK calculator
Figures for 2026: CAK and the Health Insurance Regulation (annex 4), checked on 14 October 2026. CAK: rates and country factors · CAK: tax credits · Health Insurance Regulation, art. 6.3.1
Who this applies to
- You receive a statutory pension or benefit from the Netherlands. For example AOW, Anw from the SVB, WAO, WIA or Wajong.
- You live in an EU or EEA country, in Switzerland or the United Kingdom. Or in Bosnia and Herzegovina, Cape Verde, Morocco, Montenegro, North Macedonia, Serbia, Tunisia or Turkey.
- You no longer work in the Netherlands, and you don't receive WW (unemployment) or Ziektewet (sickness) benefit.
When this result doesn't apply
- You live in a country that isn't listed, such as Aruba, Bonaire, Curaçao, Suriname, Thailand or the United States. The Netherlands has no agreement with that country, and you arrange your healthcare there yourself.
- You have a WAO, WIA or Anw benefit. The benefit agency already pays the Zvw part on that benefit. Use the CAK calculator.
- You only have an early pension and move to the EU, the EEA or Switzerland. The CAK route is then expected to close from 1 November 2026.
- You are entitled to a credit that isn't included here: the credit for a partner with little income, the young disabled persons' credit or the credit for green investments. These lower the Wlz part further.
- Part of your income is not taxed in the Netherlands. The credits depend on your aggregate income (verzamelinkomen) at the Dutch Tax Administration. That can then be lower than what you enter here, and the credit higher.
- You move during the year. The CAK then uses a weighted country factor.
Why the difference between countries is so large
You pay the same kind of contribution in every country: a fixed amount and two percentages of your income. What differs is the country factor. The minister sets it every year. It comes from comparing healthcare spending per person in that country with the Netherlands.
So on the same income you pay the full amount in Germany or Switzerland, and only a few percent of it in Morocco or Turkey. That isn't a discount: healthcare in your country of residence also costs much less per person than in the Netherlands.
What you see here is what you pay over a whole year. Your pension fund and the SVB deduct it every month. After the year, the CAK settles the account with your actual income from the Dutch Tax Administration. You then get money back or pay extra.
An excess or personal contribution in your country of residence and any supplementary insurance are not included. You pay those there yourself.
No country chosen yet?
Healthcare is only one difference. The pension comparer also shows per country who taxes your AOW and pension, and what the Netherlands doesn't let go of.
Ready to begin?
Forty-nine journeys are fully ready: your step-by-step plan, your documents and your costs in one place, and the plan keeps an eye on your deadlines. You pay once, and then it's yours.