Your partner with whom you are married or living in a registered partnership can be co-insured with you in Germany. However, the condition for this is that your partner does not work or receive benefits in the Netherlands.
Your partner will then be insured in the same way as you. You are both insured in Germany through the German health insurance company, and you use the free CZ contract policy to access health care in the Netherlands.
If your partner works in the Netherlands or receives a WW benefit, sickness allowance or a WIA / WAO benefit, this partner is insured in the Netherlands and their children, if any, are also insured with this partner in the Netherlands. If your partner receives a pension (occupational pension, AOW), only your partner is insured in the Netherlands, while your children are co-insured in Germany.
Children who are under 18 can also be co-insured with a health insurance in Germany. If your child reaches the age of 18, they must take out health insurance in the Netherlands and pay the nominal premium to the health insurer. Is the child under 18 and does the child have a part-time job in the Netherlands? Then this child is insured (free of charge) independently in the Netherlands and the child is no longer co-insured with the health insurer.
Registering for health insurance in the Netherlands
In order to continue to use Dutch health care and Wlz in the Netherlands, you need form S1 from the German health insurance with which you have registered. You use this form to register with CZ-verzekeringen in the Netherlands. In this case, you do not have a free choice of health insurer in the Netherlands. CZ will determine who can be co-insured and inform the German health insurance accordingly. Any co-insured persons will then use the Dutch health care system in the same way in the Netherlands via CZ and in Germany as you do via your health insurance.
Health insurance supplement (zorgtoeslag)
If you have health insurance in Germany, you are no longer entitled to the health insurance supplement (zorgtoeslag) in the Netherlands. If your partner is insured in the Netherlands and your joint income is below the income limit, your partner is entitled to half of the supplement. If your partner is co-insured with you in Germany, you are not entitled to the health insurance supplement at all.