What changes financially when you move to Dominican Republic?
Tick where your income comes from. You then see which rules Dominican Republic and the Netherlands apply to your situation: which country may tax you, which schemes exist and how you get insured. With the source, so you can check it yourself.
Everything about AOW, pension and tax in Dominican Republic →
This applies to everyone who moves. Tick above what applies to you, and the rest will appear.
Health insurance
How do you get insured, and what do you pay for it?
SeNaSa Larimar is open to foreigners, with ceilings
The voluntary Larimar plan of the public insurer SeNaSa is open to foreigners with a cédula. A hospital admission is covered up to 250,000 pesos per case.
You pay in advance per quarter, half year or year. From 55 you undergo a medical examination. Expensive treatments are covered up to 500,000 pesos. Converted, 250,000 pesos is roughly 3,600 euros (estimate at the rates of 14 October 2026). So always compare with a private or international policy. The premium isn't on SeNaSa's page.
- hospital admission
- up to 250,000 pesos per case
- medical examination
- from 55
Source: SeNaSa — Plan Larimar: for dominicanos and extranjeros; requirements, examination from 55, ceilings per case — checked on 2026-10-15
Read the whole storyWhat the Netherlands doesn't let go of
Which Dutch obligation travels with you?
Your AOW build-up stops when you leave, repair is possible within one year
Whoever goes to live outside the Netherlands is usually no longer insured for the AOW and the Anw. For every year you aren't insured, you later get 2 percent less AOW.
This is about the build-up, not the payment. What you built up until you leave stays. If you leave before your AOW age, every year until that age costs 2 percent. With voluntary insurance at the SVB you close the gap. For that you have one year from the moment you're no longer insured. That applies to each member of a couple separately.
- reduction per uninsured year
- 2% of your AOW
- register for voluntary insurance
- within 1 year
Your Dutch basic insurance ends when you deregister
Your basic insurance stops on the day you deregister. Your new policy only starts once the insurer has accepted you.
Without the CAK there is no safety net. If you put off the insurance question until after the move, an insurer can refuse you or exclude things. So arrange your cover first, and only then take steps you can't reverse. Make sure there isn't a day between the end date in the Netherlands and your first insured day.
Where this comes from: The list of treaty countries for healthcare (no CAK route) and the standing emigration rule that the Zvw ends on deregistration.
Read the whole storyThis is not tax advice
These are the rules that apply to your situation. What they add up to is not shown here. With the Dominican Republic it comes down to what is not there: no tax treaty, no social security treaty and no healthcare treaty with the Netherlands. Without a treaty the Netherlands keeps taxing your AOW, your pension and your annuity, and you get no tax credit. On the Dominican side, the income with which you obtain your residence as a pensionado or rentista is exempt from income tax, provided the finance ministry approves that exemption. Whoever goes alone gets the AOW for married people. And instead of the CAK you need a policy of your own. Which combination you have decides your net monthly income. Take this list to a tax adviser who knows both countries.
Still deciding between countries? Put the rules of two or three countries side by side
Then actually doing it
Knowing which rules apply is the first half. The second is applying them in time: in the right order, without missing a deadline, and with your documents at hand.
Every step on one list, free
Not ready to start yet? Then you get the departure checklist for Dominican Republic: every step in order, to print and tick off. With it, five mails in a week and a half about the pitfalls and the real costs. If the rules for Dominican Republic change, you'll hear about it. After that we ask once where your plans stand, and now and then we send one thing that fits your moment. No newsletter, and you can switch it off at any time.