People who meet one of the descriptions below cannot make claims on the BES Healthcare Insurance (in Dutch: Zorgverzekering BES).
- Students from outside the BES territory: you exclusively reside in the BES islands for the purpose of study.
- Intern or au pair: you are living in the BES islands for an internship or as an au pair.
- Expatriated from the Netherlands: you work in the BES islands for a Dutch public sector organisation. Your spouse and family members living with you are not covered either, unless they go and work in the BES islands.
- Employed outside the BES territory for three months: you reside in the BES islands but you work outside the BES territory for a consecutive period of at least three months. If you perform this work for an employer who resides or is established in the BES islands, then you are covered.
- Employed by a Dutch employer: you reside in the Netherlands and work in the BES islands for an employer who resides or is established in the Netherlands.
- Without a residence permit or Declaration of Admittance by Law: you are living in the BES islands without a Declaration of Admittance by Law (in Dutch: Verklaring van Rechtswege), a temporary regular or permanent residence permit. With the first IND stamp/sticker (residence endorsement sticker) you are not entitled to covered healthcare via the BES Healthcare Insurance.
- Insured in the Netherlands: you are covered by the Wet langdurige zorg (Dutch Long-term Care Act) and you are subject to compulsory insurance under the Zorgverzekeringswet (Healthcare Insurance Act).
- You are employed in the BES territory for three months: you are temporarily working in the BES islands (for a period of a maximum of three months) but you do not reside there and your wage is not subject to Loonbelasting BES (BES wage tax).
Please note: Are you leaving the home island for longer than eight months? Then you should notify your relevant General Register Office (in Dutch: Dienst Burgerzaken) thereof.