Health insurance quotes in the Netherlands
Compare your health insurance with some of the best known medical insurance companies
The American health services company serves expats and globally mobile individuals in more than 200 international jurisdictions. Cigna Global’s policies are easily customised to coverage and cost requirements and customers can pick from three coverage levels, modular plans and several cost-share options.
Bupa Global, one of the largest international health insurers, offers access to over 1.2 million medical providers worldwide and ensures that expats have the same coverage everywhere. Bupa settles directly with providers, so expats don’t pay upfront, and offers access to leading specialists without seeing a general practitioner.
The Munich-headquartered financial services company offers international health insurance plans for expatriate students, couples, professionals, and families living in the Netherlands. Depending on the policy, Allianz Care covers everyday medical expenses, emergency treatment, dental, maternity, surgery, and outpatient fees.
All Dutch residents including expats require health insurance to access the healthcare system. Individuals can choose from a range of health insurance providers that offer basic packages and they can also choose to top up with private or international health insurance to extend their coverage in the Netherlands as well as provide coverage overseas.
Basic health insurance in the Netherlands is mandatory but many residents including expats choose to top up their healthcare coverage with private health insurance plans. This enables them to access additional treatments, extra services such as private hospital rooms, and avoid lengthy waiting times for appointments and treatment.
If you decide to shop for private health insurance in the Netherlands, it’s advisable to shop around and look carefully at individual packages and offers to find the one that’s right for you. Questions you might want to ask include:
1. Does the package cover family members?
Dutch public health insurance covers children, although you have to inform your insurer if you need a child covered. Standard private policies only cover individuals so you’ll need to ask about family coverage options if you have others you want to include.
2. Are there any restrictions, limitations or exclusions on the policy, e.g. relating to age or pre-existing conditions?
Private firms place higher premiums according to age and medical history. If you have pre-existing conditions, you may be refused coverage or required to pay high costs. Shop around for the most comprehensive coverage.
3. What’s a coverage gap and could I be affected?
Whereas with private health insurance you can take out a policy before moving or traveling to the Netherlands, public schemes have to be applied for within four months of arriving in the country. This can leave some new arrivals exposed and having to cover costs out of their own pocket.
4. Am I covered while I travel?
Public health insurance and some private insurance will only cover you for treatment within the Netherlands or elsewhere in the EU/EEA. For medical coverage when traveling elsewhere, an expat-friendly international health insurance plan is recommended.
5. What treatments are covered?
Public health coverage in the Netherlands is quite extensive and covers most costs for GP treatment, specialist treatment, hospital care, maternity care and medication as well as some mental health treatment and complementary therapies. Private insurance can be used for treatment not covered such as dental care, physiotherapy and specialist mental healthcare as well as accessing private hospital rooms.
6. How straightforward is the process for making a claim?
The claims process in the Netherlands varies from insurer to insurer. Some will take care of bills directly on your behalf while others require you to pay and then send off for a reimbursement. If you’re worried about having to initially cover costs, look for a provider with a simplified claims process who will pay on your behalf.