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Health insurance in the Netherlands

Health insurance in the Netherlands


Do you have questions about Dutch health insurance? Learn all the details of what it means to save lives, from simple teaching to vrijwillig eigen risico.

The Netherlands have great and very good health system. The Dutch healthcare system provides healthcare to all residents regardless of their income, funded by a common health insurance scheme, healthcare and voluntary payments.


Health care in the Netherlands

Health insurance Dentistry in the Netherlands
The Netherlands offers excellent health care gezondheidszorg with universal health insurance for all residents. While not free, a health insurance-based system should allow everyone, regardless of income, access to primary health care. The Foundation for Equal Opportunities Research FREEOPP, a non-profit think tank, ranked the Netherlands' healthcare system third in the world, and the Institute for Economic Participation and Development (OECD) described it as excellent.Although health insurance covers primary care basisverzekering, it is also possible for residents to purchase additional health insurance policies aanvullende verzekering. By 2022, 83.6% of the population will have additional health care coverage such as dental care, eyeglasses and other medicines.

Netherlands Find out more about healthcare

The Netherlands reportedly spent €97 billion or over €5,600 per person on healthcare in 2019. This is around 10.2% of GDP, slightly above the EU average of 9%.

How does health insurance work in the Netherlands?

All residents over the age of 18, including long-term employees, employees and retirees, must participate in health insurance. This includes the cost of the initial treatment they need. Children under 18 are covered by their parent or guardian's insurance. In addition, all seniors pay an annual exemption eigen risico. if they receive primary health care. This excess must be paid before the insurance company pays the rest. In 2023, the total eigen risico for the whole year is 385 euros. In other words, if your health expenses in January were €385, you wouldn't have to pay the main health expenses for the rest of the year. You did not take appointment any doctor with your own rick for family doctor, child care or maternity or regional care. This first service is completely free. In some cases, you have to pay a personal contribution. Every year the government decides who needs this eigen bijderge? visit official website of government for further information. Approximately 85% of Dutch citizens have supplemental health insurance. These policies include secondary care such as dental care and other medications. Does not add eigen bijderge / eigen risico

Health Insurance for International Students and Immigrants

Temporary Immigrants

EU/EFTA European Free Trade Association - Iceland, Liechtenstein, Norway and Switzerland citizens can use the European Health Insurance Card EHIC to access healthcare. Citizens of our country have to take out health and travel insurance to meet their health needs.

Temporary residents

Do not need to purchase health insurance unless they have a job. If they are working while studying - even with a zero-hour contract - they must have health insurance. Finally, foreigners with a residence permit must have health insurance just like everyone else in the Netherlands. That is, if they are employed by European organizations, can receive treatment from the European Joint Disease Insurance Scheme (JSIS).

What if I don't have a medical report?

After arriving in the Netherlands you have four months to purchase health insurance. The Central Administrative Office Centraal Administratief Kantoor – CAK will then send you an alert. You will then have three months to pay before you are fined €472.25 2023. This is the Dutch administration responsible for health safety. If you do not agree with this warning because you already have Dutch health insurance, you should contact your insurance company. After two penalties, CAK will buy insurance for you and deduct the insurance costs from your income. If you insure yourself, the premium is 120% of the standard premium you pay. If they cannot deduct the payment, the invoice is sent to the Central Judicial Collection Agency Centraal Justitieel Incassobureau - CJIB. This body is part of the Dutch judiciary and is responsible for collecting fines.

What is coverage of health insurance in Netherland?

Compulsory health insurance covers all basic medical care as determined by the Dutch government. This basic package (basispakket) is reviewed annually. If your primary health insurance covers these costs, you will have to pay the "eigen risico" cost (excluding visits to your GP, childcare or maternity or regional care wijkverpleging.

Doctors, Hospitals and Emergency Care

All visits with the family doctor are covered by basic health insurance and do not require you to pay "own risk". However, if you have a test sent to a lab, for example, blood tests, eigen risico applies. Emergency treatment, hospital treatment and ambulance services are also covered by health insurance. It also includes family therapy, which is especially helpful for the elderly and disabled.

Prescriptions

All prescriptions are covered by basic health insurance. For example, some want you to pay for eigen bijderge as there are cheaper products.

Psychiatry in the Netherlands

Basic health insurance only covers mental health care if you have a referral from your family doctor. If you experience mental health problems and your doctor neglects to refer you, any further treatment you seek will not be met. This includes online doctors.

Dutch maternity care

Most maternity services, including maternity care, health checks, hospital births and home births, are covered by Dutch health insurance. If you need additional tests not recommended by your doctor, you will have to pay for them yourself. By the way, if you have supplemental health insurance, you will often get basic baby products from your insurance company free of charge.

Dentistry in the Netherlands

Basic dentistry for children under 18 in the Netherlands. This does not include orthodontics. Seniors are only entitled to dental care if they have purchased additional health insurance. Please note that if you are being treated in hospital for dental problems (such as tooth extraction), this will be covered as hospital care and will be covered by simple insurance.

Vision care and ophthalmologist

Visits to the ophthalmologist and regular glasses and eyeglasses without basic health insurance. However, vaccination and special glasses required for treatment are often made. Note that you will have to pay an eigen bijderge.

Sexuality and fertility

Health insurance should cover some sexual health services, but not everything. Hormonal contraceptives Anticonceptie are available by prescription and are only covered by basic health insurance if you are under 20. This includes birth control pills (pill) and intrauterine devices IUD - spiraltje. If you are 21 or older, you must pay for your own insurance. In some cases, you may be covered if you have additional health insurance. Emergency protection can be purchased at the pharmacy or pharmacy without a prescription. Abortion is legal in the Netherlands and must be performed by a family doctor. Therefore, it is covered by compulsory health insurance. Depending on your situation, you can get a free anonymous STD test Sexueel Overdraagbare Aandoening – SOA from the Municipal Health Department Gemementelijke Gezondheidsdienst – GGD. However, you should usually contact your doctor for a diagnosis. Although this makes health insurance easier, you will have to pay eigen risico. The standard health insurance also covers some fertility treatments vruchtbaarheidsbehandelingen.

However, you should consult your doctor before IVF or ROPA applications.

Trans health care

Most trans health services in the Netherlands are covered by basic health insurance. However, you have to jump over many obstacles. It is recommended that you consult your doctor and insurance company before starting treatment. Also, it is not necessary to have statutory insurance rechtsbijstandverzekering, which includes health insurance.

Vaccines in the Netherlands

Recommended vaccines are usually covered by health insurance and include: Childhood vaccines such as diphtheria, pertussis pertussis, Kinkhorst, tetanus and polio (DKTP) Adult vaccines 4 vaccines 4 All vaccines 4 grieeg Vaccines Required and approved vaccines for COVID-19 International travel is not covered by Dutch health insurance. You can cover these costs with additional insurance.

Alternative/Complementary Medicine

Dutch health insurance does not cover treatments such as acupuncture, salt therapy, homeopathy, radiotherapy and chiropractic alternatievegeneeswijzen. Depending on the insurance company, supplemental health insurance may cover these treatments.

 

Treatment abroad

Dutch health insurance generally does not cover the costs of treatment in other countries, except in the case of emergency treatment. Dutch health insurance companies, The Netherlands has 20 health insurance companies and some international insurance companies. International insurance is a good option for expats who move frequently, as premiums are usually paid for you in more than one country.

The best health insurance companies in the Netherlands are:

Allianz Care Netherlands insurance

Cigna Global Netherlands insurance

FBTO Netherlands insurance

ONVZ Netherlands insurance

United Consumers Netherlands insurance

Zilveren Kruis Netherlands insurance

Once a year from November to December, where you choose, choose the right health insurance. If you need help choosing, you can use our guide to find affordable treatment. If you're looking to buy more policies, it's best to do some research with comparison tools like Independer. Otherwise, you can choose an insurance company based on the contracted provider and their monthly premiums.

How much is health insurance in the Netherlands?

Contrary to what some may think, healthcare in the Netherlands is not free. Instead, it is funded by health services and compulsory health insurance.

Social Security contributions are regulated by the Health Insurance Act zorgverzekeringswet. Employers and charities pay each employee/beneficiary a portion of the salary and deduct some of the wages or benefits. Together they created the social security program. In 2023, the employee ratio is 6.68% and the employee/beneficiary ratio is 5.43%. Self-employed and self-employed are liable to pay themselves. By 2023, this rate was determined as 543%. 

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Health insurance in the Netherlands

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