A guide to health insurance in the Netherlands
Everyone living in the Netherlands must have Dutch health insurance, whether state health insurance in the Netherlands or private health insurance. Read about the Dutch health insurance system for expats.
Foreigners moving to the Netherlands will be assured to hear the Dutch healthcare system is ranked as the best healthcare in Europe, according to the Euro Health Consumer Index, although it is mandatory to have some form of health insurance in the Netherlands, whether public Dutch health insurance or private health insurance to access Dutch healthcare services. There are certain conditions, however, which determine if you are eligible for public Dutch health insurance – or not.
Most expats living in the Netherlands long-term will be eligible to apply for state Dutch health insurance, explained in this guide below, although there are some exceptions; if you are not eligible for Dutch health insurance, or you want extra cover, you will need to take out private health insurance in the Netherlands.
Expat health insurance provider Bupa Global explains who needs mandatory health insurance in the Netherlands and how to choose a Dutch health insurance provider.
This guide covers:
- Do I need insurance in the Netherlands?
- What is mandatory Dutch health insurance
- What is covered by Dutch health insurance?
- Updates 2017 to Dutch health insurance policies
- Private health insurance in the Netherlands
- How to apply for Dutch health insurance
- How to choose a Dutch insurance company
- Using your Dutch health insurance
- What to look for in Dutch health insurance policies
Most foreigners who are living or working in the Netherlands are required by law to take out the standard Dutch health insurance within four months after their resident permit starts. There are, however, some exceptions depending on your situation. Euraxess provides a flowchart to see which Dutch health insurance is required for your situation.
As a general rule, all foreigners who work in the Netherlands, including internships and volunteer positions, are obliged to take out Dutch public health insurance, regardless of your nationality.
Dutch health insurance for EU/EEA/Swiss citizens
Citizens from the European Union (EU), European Economic Area (EEA – EU plus Iceland, Liechtenstein and Norway) and Switzerland and their families staying temporarily (and not working) for less than one year can typically use their European Union Health Insurance Card (EHIC). You must contact the EHIC whether your stay is considered temporary; otherwise Dutch health insurance will apply, for example, if you start working.
Although EHIC holders can access Dutch healthcare for up to a year on the same basis as a local, they may have to pay upfront and claim the money back later. You will also only be reimbursed for necessary treatment or medication that has been prescribed by a Dutch doctor.
For EU/EEA/Swiss citizens living in the Netherlands for more than a year, you will need to take out Dutch health insurance; retirees may be covered by healthcare cover from their home country but should check.
Dutch health insurance for non-EU citizens
Non-EU citizens staying longer than three months will need a residence permit, after which they are required to take out the public Dutch health insurance. Some people may need to take out private insurance, depending on personal circumstances or illnesses, explained below.
Dutch health insurance for students
Dutch health insurance for foreign students is mandatory for those with part-time jobs, paid internships and zero-hour casual contracts. Unemployed foreign students who are not EU/EEA/Swiss citizens, however, are not eligible to take out Dutch health insurance and must instead arrange their own private insurance, unless covered by an acceptable insurance in their home country. You can read detailed information about student health insurance requirements in the Netherlands.
Dutch health insurance for children
Children under 18 are covered for free under their parents' Dutch health care insurance.
Public health insurance in the Netherlands is divided into two forms:
- The Zvw (Zorgverzekeringswet) legally requires all residents in the Netherlands – including expats – to take out the basic Dutch health insurance package known as basisverzekering or basispakket, even if you already have health cover in your home country. The Dutch health insurance coverage is decided upon by the government each year and covers most healthcare services from GPs and hospitals. Health insurance companies have to offer the same basic policy to everyone and must accept all applicants regardless of age or state of health. You will typically be required to pay a contribution (an excess fee or deduction) towards your medical bills each year of at least EUR 385 (2017).
- The second scheme, under the Wlz (Wet langdurige zorg), which replaced the AWBZ (Algemene Wet Bijzondere Ziektekosten) in 2015, covers long-term nursing and care treatment, such as dementia and other severe mental, physical and sensory impairments. The government assesses your situation to determine what care is needed. It is automatically provided and funded by deductions from your salary, although those 18 years and older must provide their own monetary contribution (eigen bijdrage), which is calculated depending on your income, financial capital and living situation.
For more information about eligibility, what care and treatments are covered, how Dutch insurance is funded, the excess and help with costs, see our comprehensive guide to the Dutch healthcare system or the Dutch government's webpage on Dutch health insurance.
The basic Dutch insurance package typically covers all costs for common medical care services. The Dutch government decides yearly what is included in the basisverekering. The current basic health package in the Netherlands cover the following:
- GP consultations
- Treatments from specialists and hospital care
- Dental care and physiotherapy up to 18 years old
- Care from certain therapists, such as speech therapists
- Basic mental health services
- Anti-smoking programs
- Dietary advice
- Obstetrics and maternity care.
From 2017, healthcare reforms will be implemented into the basic Dutch health insurance package, including:
- Full coverage of dental operations to place absent incisors and canines will be granted to policy holders up to 22 years of age.
- Patients will now have to pay 10 percent and 8 percent of the total cost of dentures implanted on their lower jaw and upper jaw respectively.
- Those who suffer intermittent claudication (limping), will be compensated for 37 physiotherapy treatments but operations must take place within a year.
In the Dutch government’s annual budget announcement, several reforms were made regarding public Dutch health insurance in 2017:
- The basic eigen risico amount (excess fee) will remain the same at EUR 385, the first time it hasn’t increased since 2011. Policy holders will also be allowed to pay this compulsory excess in 10 monthly installments.
- The healthcare subsidy (zorgtoeslag) will increase by around EUR 1.50 per person and EUR 3.50 for larger households.
- Some patients will receive reimbursements for plastic surgery operations that are deemed necessary, such as upper eyelid correction, breast prosthesis and circumcision.
- Temporary admission to a care facility will be paid from the basisverzekering instead of the Wlz.
If you are not covered by the public Dutch health insurance or you want to take out cover for extra treatments (for example, physiotherapy, psychiatric care or extensive dental treatments), then you’ll have to take out a private health insurance policy. Private health insurance also typically offers access to private facilities so you can get treatment sooner than through the state system, as well as other perks, such as not having to share a hospital room and more comprehensive services for in-patient and out-patient care, hospices, rehabilitation and maternity.
Unlike the basic Dutch insurance policy, insurance companies are not obliged to accept you for private insurance, and your age and health condition can have an impact, not only on getting approval but on your monthly premium as well.
You may also consider getting an international health insurance plan, particularly if you travel a lot. Read how to choose between local or international private health insurance.
You have four months to take out health insurance in the Netherlands after arriving. If you fail to do so, you could face a fine and be billed retrospectively for the time you were uninsured.
When you register with a health insurance company, you will be asked to provide your Citizen Service Number (burgerservicenummer or BSN). This may be issued to you by your employer or by application from the municipal authority where you live or from the Dutch Tax and Customs Administration (Belastingdienst). You’ll also need to provide proof of residence in the Netherlands, as well as an ID document such as your passport and, if you're an employee, a letter from your employer confirming your employment.
Insurance policies are valid from the time you pay your very first premium. The most common method of registering is to either contact the health insurance company online or by phone.
The cost of your Dutch health insurance depends on many factors, but general packages start around EUR 100. Low-income earners may be eligible to apply for healthcare benefit for support with the payments.
You are free to select a basic Dutch insurance company of your choice, although it can be difficult to choose between different insurers as many of their sites are in Dutch, which, even with online translators, can be tricky to read, although you may find some Dutch health insurance companies that provide information in English.
You can start by looking at comparison sites, for example, www.independer.nl, www.zorgverzekering.org or www.kiesbeter.nl, in order to find an insurance company best suited to you and your family, taking into consideration price, what is covered, and how much is the excess payment (the amount you co-pay for certain treatments).
Bear in mind that some employers also offer corporate health insurance schemes for employees, which may be cheaper than taking out a policy individually.
It is possible to purchase additional coverage (aanvullende pakket) from a different insurer than your basic insurer. Although this might complicate processing your bills, it can sometimes lower overall costs or allow you to purchase additional health insurance coverage tailored to foreigners in the Netherlands.
Some Dutch health insurance companies include:
- Agis Zorgverzekeringen
- DSW Zorgerzekeraar
- Menzis Zorg en Inkomen
- Univé Verzekeringen
- VGZ Zorgverzekeraar Insurance
- Zilverenkruis - See more at: http://www.iamexpat.nl/expat-page/official-issues/insurances/health-insurances/dutch-health-insurance #sthash.mNsZiTyd.dpuf
Whenever you seek medical treatment or purchase prescriptions, you must present your ID and Dutch health insurance card (issued by your health insurer). Whether you pay upfront for treatments and claim back from the insurer or the insurer pays the health provider directly depends on your policy; check the fine print of your policy.
You must also pay the state-set excess amount (or deductible) towards your healthcare costs each year, which is revised yearly by the government. For 2017, the amount was set at EUR 385 but a number of political parties are campaigning to significantly decrease or abolish the ‘own risk’ provision altogether.
At the end of each year the government announces next year's basic insurance premiums and you have the right to change health insurance company once a year, provided you inform them of your intention to cancel prior to 1 January.
- How much is the premium?
- How does the policy work? There are three types: a policy in kind, where the health insurer has contracts with specific health providers and pays the bills for any treatment directly to them; a restitution policy, where you choose your health provider, pay for treatment upfront and get a refund from the insurance company afterwards; and a combination policy where part of the bill is paid by the insurer and part by you.
- What is the excess or eigen risico (the part of the cost that you have to pay yourself)? The mandatory excess for every basisverzekering is EUR 385 in 2017; prices are reviewed annually. Increasing your excess payment (eg. up to EUR 885) can be a way to lower your monthly payments.
- Do you have the option to take out supplementary insurance for any care or treatment that’s not included in the standard package?
- Some health insurance providers offer additional benefits free of charge, such as dental accident insurance. It is in these 'extras' that insurers compete with their basic Dutch insurance package.
What to look for in a private insurance policy
Look carefully at individual packages to find the one that provides the best cover for you and/or your family’s personal circumstances.
- Do you have any pre-existing conditions?
- Do you have children?
- Do you plan to travel abroad regularly and need coverage for any medical emergencies?
- What are the premiums and excess
Find listings of:
- Health insurance companies in the Netherlands
- Hospitals in the Netherlands
- Dentists in the Netherlands
Expatica / Updated by Bupa Global
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Bupa Global offers international health insurance to expats in more than 190 countries worldwide.
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