If you are an expat living in the Netherlands, understanding the local health care system is essential. As a foreigner, you may have questions about how health insurance in the Netherlands works, how you can sign up, and what rights you have as a policyholder. This blog post will guide you through the Netherlands’ Health Insurance Act, providing valuable information to help you navigate the Dutch health care system with confidence.
The Netherlands’ Health Insurance Act (Zorgverzekeringswet) requires all residents to have basic health insurance that covers medical costs, such as hospitalization, general practitioner visits, and medication. Every year, the government sets a minimal coverage package that all insurers must offer. Expats are no exception to this rule, and they must have health insurance provided by a Dutch insurer within four months of registering with their local municipality. Although, if you reside in the Netherlands with the sole purpose of studying, then you are not obligated to have a Dutch health insurance. Learn more about health insurance as a student here: Health Insurance for International Students in the Netherlands | Doktoro
If you are an expat, you can either choose to have basic health insurance coverage only or opt for additional coverage with a more expensive policy. The basic coverage consists of costs related to GP visits, specialist care, medical appliances, hospital admission, and prescription drugs. The more comprehensive policy options often include additional coverage for dental costs, physiotherapy, and glasses.
As a policyholder, the Netherlands’ health insurance system operates on both a reimbursement-based system and a contracted system. The reimbursement-based system consists of deductibles and copayments that are reimbursed after the insured has paid the bill. The contracted system involves the insurer making direct payments to the care provider on the insured’s behalf.
One of the benefits of having health insurance in the Netherlands is that you have access to healthcare services regardless of pre-existing conditions or income. In the Netherlands, healthcare is viewed as a basic right, making it accessible to all residents. This means that you can go to a GP or other healthcare professional without fearing high treatment cost.
In addition to basic health insurance, some policyholders are entitled to additional allowances or tax credits under the Healthcare Allowance Act (Zorgtoeslag). This act aims to support low-income policyholders who struggle to afford their health insurance premiums. Policyholders who are eligible for the allowance can receive up to €1,500 annually.
Navigating the Netherlands’ healthcare system can seem daunting, especially if you are an expat who is unfamiliar with it. However, having health insurance in the Netherlands provides peace of mind as you know that you can receive quality healthcare without worrying about the cost. Understanding your coverage options, the reimbursement system, and additional allowances and tax credits available is essential to get the most out of your policy. Don’t hesitate to reach out to your insurer or healthcare provider if you have any questions or concerns.
For more information about the Health Insurance Act, Long-Term Care Act, Social Support Act, Youth Act, please read: The Dutch health care system | About us | National Health Care Institute (zorginstituutnederland.nl)