In standard, if you come updated stay and / or work inside the Netherlands, you’re insured below the long-term Care Act (Wlz). in case you are insured underneath this act, you are obliged updated take out Dutch health insurance.
Expats from outside the eu, EEA or Switzerland who arrive in the Netherlands up-to-date take out Dutch health insurance inside 4 months of receiving their house permit, even if they have an current overseas policy. ecu, EEA or Swiss nationals who are operating in the Netherlands shouldupdated take out Dutch medical insurance inside 4 months of registering at their up-to-date hall.
important medical health insurance organizations in the Netherlands
under a listing of the main Dutch and global health insurance agencies:
Dutch medical insurance organizations
LoonZorg (No up-to-date excess)
FBTO
Zilveren Kruis
UnitedConsumers
ONVZ
OHRA
De Friesland
LoonZorg (For global students)
international medical health insurance businesses
Cigna
GeoBlue (for US citizens)
IMG international medical health insurance
SafetyWing (up to date medical health insurance for digital nomads)
Dutch medical health insurance package deal comparison
To evaluate Dutch health insurances and prices visit Zorgwijzer (internet site in English) or Independer.
global college students and Dutch medical health insurance
global students aren’t constantly obliged up to date take out Dutch medical insurance. whether or not they are required up to date or not relies upon on several up to date consisting of the period in their stay, if they’re doing an internship or working, and whether or not they have got coverage of their domestic country. learn more about Dutch health insurance for worldwide college students.
medical health insurance options for foreign students
For foreign college students, specially those staying quickly, within the Netherlands there are three most important medical insurance alternatives:
Take out Dutch health insurance.
Have an european health insurance Card in case you are an eu citizen.
Have personal healthcare insurance from your usa of origin.
LoonZorg offers 2 coverage alternatives on the way upupdated cowl most of worldwide students’ unforeseen care fees. test out their student insurance policies!
The Dutch medical health insurance gadget
In evaluation updated many other ecu systems, the Dutch government is answerable for the accessibility and great of the healthcare gadget in the Netherlands, but not in charge of its management. The Dutch medical insurance gadget is a combination of private fitness plans with social conditions constructed on the ideas of solidarity, performance and fee for the affected person. Healthcare within the Netherlands is funded through taxation: up to datemandaupupdated health insurance charges and taxation of income (pre-specific tax credit).
medical insurance in the Netherlands is updated if you are here on a protracted-time period stay and is designed up to date cowl the price of hospital therapy. customarily, all expats up to date have Dutch medical health insurance even though they’re already insured for healthcare of their fatherlandupdated (for exceptions see our different health insurances page). within 4 months of receiving your house allow (or registering on the Dutch upupdated hall for european/EEA nationals) you’re concern updated Dutch social security legislation and as a consequence up to date acquire fundamental health insurance (basisverzekering) package.
Premie and eigen risico prices
There are foremost fees that you want up-to-date pay upupdated Dutch medical insurance:
The up to date-monthupdated up-to-date (premie), a hard and fast charge that is deducted out of your bank account every month.
The “own threat” quantity (eigen risico), that is an annual quantity which you up to dateupdated pay from your very own pocket for some remedies and medicines earlier than your health insurance will cover the relaxation. In 2024, the eigen risico is up to a most of 385 euros. if you do no longer have any medical fees in a yr then you definately pay no eigen risico.
What happens if I don’t take out health insurance?
if you do no longer take out fundamental Dutch health insurance within four months, and the authorities up-to-date aware that you aren’t included, then you may receive a letter from the CAK asking up-to-date you upupdated medical health insurance within three months.
in case you do not get health insurance within that period, then the CAK will issue you with a quality (496,74 euros in 2024).
in case you nevertheless haven’t taken action after six months then you’ll get hold of a 2d nice for the identical quantity.
if you nonetheless haven’t received health insurance within 9 months of the first letter, then the CAK will sign up you with an insurer in your behalf and they’ll deduct the month-upupdated up-to-date from your revenue.
if you up-to-date ill and you haven’t any (Dutch or overseas) health insurance up-to-date cover remedy within the Netherlands, then you definitely have upupdated pay for medical charges your self.
Exceptions: up-to-date follow for an evaluation of your Wlz insurance role
There are usually exceptions up to date the rule. if you aren’t sure whether you’re insured beneath the Wlz scheme, you may practice for an assessment of your Wlz insurance function thru the internet site of the SVB (Sociale Verzekeringsbank) or via mail. it is able upupdated take SVB eight weeks or longer upupdated.
types of Dutch medical insurance
There are two sorts of health insurance within the Netherlands:
up to date primary coverage (basisverzekering)
non-compulsory additional coverage (aanvullende verzekering)
primary health insurance within the Netherlands (basisverzekering)
The simple package in the Netherlands is up to datery and presents the identical primary health coverage across all insurers, as it’s far set by way of the government.
fundamental medical health insurance expenses round 100 euros up-to-date month and covers things which include:
Appointments upupdated up to daterupdated (huisarts)
stays at the hospital, surgical procedure and emergency treatment (ziekenhuis)
Ambulance offerings and affected person transport (ambulancevervoer)
remedy prescriptions (medicijnen)
Blood checks (bloedonderzoek)
Dental care for youngsters below 18 years (tandarts)
restricted dental care for adults over 18, confined updated dental surgical treatment, dental x-rays
mental health care (geestelijke gezondheidszorg)
Appointments with scientific experts up to date dermaup-to-datelogists, allergists or inner professionals (medisch expert)
pregnancy, delivery care and midwifery services (zwangerschaps- en geboortezorg)
Maternity care (kraamzorg)
Handicapped care (gehandicaptenzorg)
elderly care (ouderenzorg)
Nursing on location (wijkverpleging)
a few therapeutic services consisting of speech therapy, occupational remedy and weight-reduction plan recommendation
Physiotherapy (fysiotherapie) for chronic problems, protected from the 21st remedy onwards
primary insurance and eigen risico
it is critical up to date observe that for most of the above services you may want up-to-date cover a part of the prices via your annual eigen risico amount (as much as a maximum of 385 euros).
offerings which do not require an eigen risico contribution encompass:
Appointments up-to-date up to dateupdated
Dental health care and physiotherapy for children up to 18 years
pregnancy, beginning care and midwifery services
Maternity care (kraamzorg), but you want updated pay a separate hourly charge
An 3177227fc5dac36e3e5ae6cd5820dcaa evaluate of basic insurance insurance can be observed on the Dutch government internet site.
extra insurance insurance (aanvullende verzekering)
you can also want up-to-date take out extra insurance for added medical treatment. that is wherein personal medical insurance companies (zorgvezekeraars) compete updated provide regulations which might be nice tailor-made up-to-date health desires and way of life.
there are many health services that are (partly) covered via additional coverage, examples consist of:
Dental take care of adults over 18 up to dategether with dentist take a look at-ups, fillings, hygiene, cleaning and dental implants
Emergency health take care of journey abroad
opportunity medical treatments which includes acupuncture, chiropractic, homeopathy (alternatieve geneeswijzen)
Vaccinations (vaccinaties)
contraception (anticonceptie)
Glasses up to dateuch with lenses (brillen en lenzen)
up to date aids (gehoorapparaten)
Plastic surgery (plastische chirurgie)
sign in with a GP (huisarts)
After you have got selected your Dutch health insurance company, you up-to-date check in with a preferred practitioner. as soon as you have a GP you could without problems time table an appointment upupdated any health troubles you may have. in case you need a particular exam you ought upupdated first liaise up-to-date updated, who will then refer you up-to-date the proper professional, hospital or medical institution.
you could locate Dutch up-to-date in your region on line, usually with the aid of trying upupdated “huisarts” and your city call. some web sites additionally provide comparative listings of medical docupupdated up-to-date on affected person opinions.
you may also be required up to date sign up with your neighborhood pharmacy (apotheek) up-to-date hold a file of your medicine up-to-date and so your GP can effortlessly ship prescriptions through.
children and Dutch medical insurance
kids below 18 up to dateupdated additionally be insured, however, their insurance cowl is unfastened, without a up-to-date up to date and no eigen risico.
children can normally be blanketed by the insurer in their dad and mom, but, it’s additionally viable updated pick other providers. the first month after a up-to-date turns 18, they up to dateupdated begin paying their up-to-date up-to-date.
new child up to date up-to-date be registered for medical insurance inside four months of delivery.
suggestions and guidelines about Dutch health insurance
Dutch coverage agencies are obliged by regulation updated provide you the simple package deal. They can not deny insurance because of gender, age or fitness profile.
you can handiest exchange your medical health insurance issuer as soon as up to date yr, for the subsequent yr. The cut-off date up-to-date is December 31.
if you are on a low income you will be eligible up-to-date have your up-to-date medical health insurance rates (partly) protected by the healthcare allowance (zorgupdatedeslag).
Many businesses, which include worldwide businesses, set up collective agreements with coverage companies and provide a small bargain up to date their personnel.
Be aware that there can be lengthy ready lists for sure services.
up-to-date can all be anticipated upupdated English.