What changes financially when you move to Norway?
Tick where your income comes from. You then see which rules Norway 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.
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?
You pay per visit, until the frikort comes by itself
You pay no premium and have no policy. You do pay a co-payment per visit, up to a fixed ceiling. After that you automatically get a frikort, an exemption card, and the rest of the year is free.
Children under 18 pay nothing at all. Admission to a public hospital is free, however long it lasts. You do not have to track the ceiling yourself, and anything you overpaid is refunded. The real gaps are elsewhere. Adults pay for the dentist almost entirely themselves. And the co-payment for medication for a chronic condition was raised as of 2026. The amounts are in the knowledge article.
- ceiling per calendar year (2026)
- 3,278 kroner
Source: Helsenorge — the egenandelstak and the automatic frikort — checked on 2026-08-28
Read the whole storyWhat the Netherlands doesn't let go of
Which Dutch obligation travels with you?
Your AOW accrual stops on departure, repair is possible within one year
This is about the accrual, not the payment. What you've built up until you leave stays yours. But as soon as you're no longer insured in the Netherlands, you build up nothing more, and every year until your AOW age costs 2% of your later AOW. If you already receive AOW, this no longer applies.
For most emigrants the insurance ends on the day of departure. If you keep working in the Netherlands or are posted abroad, you can stay insured. Voluntary insurance with the SVB (the Social Insurance Bank, which pays the AOW) closes the gap, for ten years at most. That is only possible if your application is in within one year of your compulsory insurance ending, and if you were insured for at least a year directly before that. The premium depends on your income and is revised every year. That is why no amount is given here. Put that date in your diary before you go.
- reduction per uninsured year
- 2% of your AOW
- application for voluntary insurance
- no later than 1 year after your insurance ends
- duration of voluntary insurance
- 10 years at most
Source: Algemene Ouderdomswet (General Old Age Pensions Act) — article 13(1) (2% reduction per uninsured calendar year), article 35(1) (voluntary insurance, ten years at most) and article 36(1) (application no later than one year after the compulsory insurance ends) — checked on 2026-09-19
Read the whole storyYour Dutch basic health insurance ends when you deregister
Your basic insurance stops on the day you deregister. Not on 31 December, and not later either if you let it run on.
The insurance belongs to living in the Netherlands, and that stops. What replaces it depends on your route. The Norwegian system, once your registration is complete. The CAK route with an S1 form, if you come with a pension. And if you come without work, health cover for the period in between is also a requirement for your registration with the police.
Where this comes from: Description from the knowledge article on Norwegian healthcare costs and the registration chain. There is no official page that states the end date of the basic insurance in so many words.
Read the whole storyFor inheritance and gifts the Netherlands counts you in for ten more years
The Inheritance Tax Act (Successiewet), the law on inheritance and gift tax, pretends an emigrated Dutch national still lives in the Netherlands for ten years. That applies on death and to gifts.
If you die within ten years of leaving, your heirs pay Dutch inheritance tax, as if you still lived here. What you give away in those years, to your children for example, falls under Dutch gift tax. So review your will and your gift plans before you leave. For a gift in the first year after you leave, this even applies to everyone who lived in the Netherlands, also without Dutch nationality.
- deemed residence
- 10 years
This is not tax advice
These are the rules that apply to your situation, not the outcome of them. With Norway it comes down to two things. Since 2014 the Netherlands has continued to tax your pensions, while Norway counts all your income, wherever it comes from. And the PAYE choice decides how your first working year is taxed. What that means for your figures is for a tax adviser who knows the treaty to work out. Take this list to that conversation: then you know which questions to ask.
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 Norway: 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 Norway change, you'll hear about it. After that we ask once where your plans stand, send one offer, and now and then one thing that fits your moment. No newsletter, and you can switch it off at any time.