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
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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