What to do in case of cross-border work? - You live in Belgium and work in another EEA country or Switzerland
As a cross-border worker, you take out health insurance in Belgium and in your country of work.
As a resident of Belgium , you must always join a Belgian health insurance fund . You are also entitled to reimbursement for medical care in Belgium.
- You will receive an S1 form from the insurance institution of your country of employment that proves that you are socially insured by that country.
- You can join CM with that form.
You work in the Netherlands
You pay social security contributions in the Netherlands. That is why you must register with a Dutch health insurer .
- Register with a Dutch health insurer of your choice within four months.
- You sign an in-kind or reimbursement policy (or a combined policy), a deductible and possibly additional insurance.
- This way you are compliant with the Dutch health insurance law.
You work in Germany
You pay social security contributions in Germany. That is why you must register with a German Krankenkasse (health insurance fund) .
- If you register within two weeks, you can choose your own Krankenkasse . You will then receive a registration certificate that you must provide to your employer.
- If you have not made a choice yourself, you will be automatically registered with a Krankenkasse chosen by your employer.
- You are therefore entitled to reimbursement for medical care in Germany according to German law.
There is a wage ceiling in Germany. If you earn more, you are no longer covered by compulsory health insurance. You can then take out voluntary insurance through a Krankenkasse or private insurance.
You work in France
You pay social security contributions in France. That is why you must register with a French health insurance fund .
- You join a Caisse Primaire de l'Assurance Maladie (CPAM) .
- You are therefore entitled to reimbursement of medical care in France according to French law.
You work in another EEA country or Switzerland
You pay social security contributions in the EEA country where you work (European Union countries, Iceland, Liechtenstein and Norway) or Switzerland. That is why you must register with an insurance institution in that country . You are therefore entitled to reimbursement for medical care.
Where are your dependent family members insured?
In your country of employment they are entitled to health care under the social security system there if there is a right of return. Thanks to European rules, many countries grant your dependent family members the right of return.
Only Denmark, Ireland, Iceland, Finland, Norway, Sweden and the United Kingdom do not grant a right of return.