Uninsured people

People who meet one of the descriptions below cannot make claims on the BES Healthcare Insurance (in Dutch: Zorgverzekering BES).

  1. Students from outside the BES territory: you exclusively reside in the BES islands for the purpose of study.
  2. Intern or au pair: you are living in the BES islands for an internship or as an au pair.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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).
  8. 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.