Do you live or work in the Netherlands? Then you are required, under the Health Insurance Act (in Dutch: Zorgverzekeringswet), to get health Insurance. As an expat you have to take out Dutch health insurance within four months after you receive your residence permit. This health insurance is compulsory.
Dutch health insurance
The Dutch government is responsible for the quality of the Dutch health care system. However, it is not in charge of managing it. Even if you have insurance in your homeland, you are still required to have health insurance in the Netherlands. In the Netherlands there are different insurers which you can chose from. All have their own policies and regulations, so it is best to compare different insurance companies. This way you can pick out the insurer that fits your needs best. You are free to choose your own health insurer. Also you can change your health insurer once a year.
You will have to pay your insurer a monthly fee (which is called premie). This fee depends on the insurance plan you chose. Every insurer has different plans, with different fees and different covering. Then, there is also the own risk amount (eigen risico). That is an annual amount you have to pay out of your own pocket, to cover the first medical costs up to €385. You have the choice to increase your ‘eigen risico’ and get a deduction on your monthly premium. Consult your insurance company for more information abut this.
Mandatory and supplementary
Your health insurance consists of mandatory health insurance and supplementary insurance, which is optional. The mandatory coverage is more or less the same for every health insurer, but the supplementary insurance can differ a lot.
Mandatory health insurance covers:
- Basic medical care; including care provided by general practitioners, medical specialists and obstetricians
- Dental care up to the age of 18
- Maternity care
- Therapies and dietary advice (with limitations)
- Most medicines and medical devices and products
Supplementary insurance covers:
- Glasses and contact lenses
- Dental care for adults
- Alternative medical products
The monthly premium for the mandatory health insurance is approximately around € 115 (2019). As stated, the supplementary premium differs per health insurer.
Everyone over the age of 18 pays a monthly premium for the mandatory health insurance. Those who are younger than 18 years are insured and do not have to pay any premium or excess. Note that newborns must be registered with a health care insurer within four months after birth.