Can you live in the Netherlands without insurance? (2024)

Can you live in the Netherlands without insurance?

If you come to live or work in the Netherlands, you are required to take out a health insurance policy with a Dutch insurer with coverage from the day you arrive. You have 4 months to take out the health insurance policy.

Is it illegal to not have health insurance in the Netherlands?

Everyone who lives or works in the Netherlands is required under Dutch law to have health insurance from a Dutch healthcare insurer. If you are living or working in the Netherlands and do not have health insurance, you will receive a fine.

Is insurance Mandatory in the Netherlands?

Every person who lives or works in the Netherlands is legally obliged to take out standard health insurance to cover the cost of, for example, consulting a general practitioner, hospital treatment and prescription medication.

Do I need insurance to go to Netherlands?

When you apply for a Schengen visa for the Netherlands you must have health insurance or travel insurance that covers any medical expenses you may incur while in the Schengen area. Find out what the insurance requirements are.

Does Netherlands have free healthcare?

The Netherlands does not have a single-payer healthcare system. Instead, its universal healthcare system is achieved through compulsory basic private insurance that is regulated and subsidized by the government. The country began its national health insurance program in 1941.

What happens if you don t have insurance Netherlands?

The Central Administration Office (CAK) is responsible for verifying that everyone in the Netherlands has health insurance. If you're uninsured, you'll receive warning letters from CAK and a fine. If you remain uninsured, the CAK will take out insurance for you at your expense.

What happens if I don't pay insurance in Netherlands?

If you default on your insurance premium payments, your health insurer will offer you a payment scheme. If you have not paid premiums for six months, the insurer will report you to the Central Administration Office (CAK). The premiums will then be withheld from your pay and remitted to the CAK.

How long can I stay without health insurance in Netherlands?

Compulsory health insurance: start of coverage

If you come to live or work in the Netherlands, you are required to take out a health insurance policy with a Dutch insurer with coverage from the day you arrive. You have 4 months to take out the health insurance policy.

How much does health insurance cost in Netherlands?

The Cost of Dutch Health Insurance

The average basic Dutch health insurance premium in 2021 is approximately 120 euro per month. Basic health insurance in the Netherlands comes with a standard, obligatory deductible excess of 385 euro (in 2021).

Which insurances are mandatory in the Netherlands?

These are the healthcare insurance, the car insurance, and the home insurance.
  • Healthcare insurance. Everyone residing in the Netherlands is obligated by law to take out healthcare insurance. ...
  • Car Insurance. If you own a car, you must at least take out third party liability insurance for it. ...
  • Home Insurance.

What can you not bring into the Netherlands?

Restricted or prohibited to import / export
  • Pets. Bringing in pets across the border or import and exporting pets? ...
  • Counterfeit articles. ...
  • Protected animal and plant species. ...
  • Animal products and foodstuffs. ...
  • Plants, flowers, fruit and vegetables (phytosanitary products) ...
  • Weapons and ammunition. ...
  • Medicines. ...
  • Drugs (Opium Act)

What medications are not allowed in Netherlands?

Medicines that have a narcotic effect require a certificate. These include sleeping pills, strong painkillers, ADHD medication and medicinal cannabis. Ask your family doctor or pharmacy whether you need a certificate for your medication.

How does health insurance work in Netherlands?

The Dutch health insurance system

Healthcare in the Netherlands is funded through taxation: mandatory health insurance fees and taxation of income (pre-specified tax credits). Health insurance in the Netherlands is mandatory if you are here on a long-term stay and is designed to cover the cost of medical care.

Can I go to a hospital on the Netherlands without insurance?

If you do not take out a standard insurance package, the Central Administration Office (CAK) will register you with an insurer and the premium will be withheld from your pay. If you need medical care but are not insured, you must pay the costs yourself.

How much does it cost to see a doctor in the Netherlands?

Is healthcare free in the Netherlands?
Healthcare ItemAverage Cost in the Netherlands
One-night hospital stay€146
Emergency room visit€256
Doctor's office visit in normal office hours€47
Doctor's visit outside of normal office hours€92
1 more row

Why is Dutch health insurance so expensive?

According to Bas Knopperts, a health insurance expert at Independer, premiums are rising because total care is becoming much more expensive. Hospitals and healthcare providers also face inflation and higher wage costs, he told RTL Nieuws.

Is it illegal to live in Germany without health insurance?

In Germany, you are required to take out health insurance. We will give you an overview of the types of health insurance and their services. In Germany, you must take out health insurance as an employee. A distinction is made between statutory and private health insurance.

Do you need insurance to go to Amsterdam?

It's important to take out appropriate travel insurance for your needs. A GHIC or EHIC is not an alternative to travel insurance and you should have both before you travel. An EHIC or GHIC does not cover all health-related costs, for example, medical repatriation, ongoing medical treatment and non-urgent treatment.

How much does expat health insurance cost?

How much does international health insurance cost? The annual cost of an international medical insurance plan will range from as low as $500, with limited benefits, to as much as $8,000 for a comprehensive global medical insurance policy, including coverage in the USA. The average cost is $5,500 per year.

What is basic insurance in Netherlands?

Are you living or working in the Netherlands? In most cases, you are obliged to take out basic health insurance. This insurance plan provides cover for basic healthcare treatments, such as hospitalisation, emergency care and GP visits.

Can I cancel my health insurance in the Netherlands?

You can cancel from the 1st of January

Then you can do so up to the 1st of January. Cancel or modify your supplementary insurance via our customer services. If you cancel your basic insurance from the 1st of January, then you have to have a new insurance starting from the 1st of February.

What happens if you don't pay taxes in the Netherlands?

Any collection or additional costs will be added to your tax debt. If you do not pay your tax bill in time, the Tax Administration will take measures to collect the due amount from you. This starts with sending a reminder, and can culminate in impounding your property or bank balance.

What happens if you stay longer than 90 days in Netherlands?

If you want to stay in the Netherlands for longer than 90 days, you may need a residence permit. In many cases you will also have to apply for a long-stay visa before you travel to the Netherlands. This visa is also called an authorisation for temporary stay (MVV).

Is the Netherlands a healthy country?

The Netherlands ranked eighth-healthiest country in the world.

Do I need health insurance if I live abroad?

The US government strongly recommends that all Americans carry private health care insurance when traveling or living overseas. They also warn that their national coverage will not protect them in other countries.


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