What does basic health insurance cover in the Netherlands? (2024)

What does basic health insurance cover in the Netherlands?

The Dutch basic healthcare insurance plan covers the costs of, among other things: General practitioner care. Specialist care. Emergency help.

What is the health insurance policy in the Netherlands?

Health insurance in the Netherlands is mandatory, and the nation's healthcare is covered by two statutory forms of insurance: Zorgverzekeringswet (Zvw), often called "basic insurance', covers common medical care. Wet langdurige zorg (Wlz) covers long-term nursing and care.

Is there free health care in the Netherlands?

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.

Which insurances are mandatory in the Netherlands?

What does health insurance cost in the 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).

Why is Dutch health insurance so expensive?

DSW is traditionally the first to do so in the week after Budget Day. 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.

What happens if I don t have health insurance in the Netherlands?

Have you received a letter stating that you do not have Dutch health insurance? If you do not take out Dutch health insurance within 3 months of the date of this letter, you receive a fine of €496.74.

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.

Do you have to pay for hospital in 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 health insurance to visit Netherlands?

The Netherlands is a country in the Schengen Area. Depending on your country of citizenship, you may be required to purchase trip protection when traveling to the Netherlands. Schengen countries require the purchase of specific visa-compliant travel insurance plans for citizens of these countries.

Is blood test covered by insurance in Netherlands?

Diagnostic test inside the GP practice are fully covered by your insurance. If you are referred to a hospital or labaratory for diagnostic blood, ultrasound, x ray, pathologic and microbiological ( for example STD ) tests and medicines, the costs will be at the expense of your own risk ( min.

Does the Netherlands have affordable healthcare?

The Netherlands has universal healthcare, but the government requires all adults living or working in the Netherlands to have basic insurance. The basic plan will cost € 100-120 out of pocket. If you're employed, your employer will pay a small percentage towards medical coverage as well.

What is health insurance deductible in Netherlands?

The deductible, or excess (Dutch: eigen risico) is an obligatory amount that you must pay when for healthcare before your health insurer starts to reimburse for healthcare you have received. It applies to care received within the basic package. In 2024, the deductible for your health insurance is €385.

How much is a doctor visit in Netherlands?

How much is the insurance allowance in the Netherlands 2023?

The exact amount of the healthcare allowance depends on your income, with a maximum in 2023 of 154 euros (for single income households) or 247 euros (for those with a fiscal partner).

Is Dutch health insurance good?

The Netherlands has arguably one of the best healthcare systems in the world. Financed through a combination of mandatory medical insurance, social security contributions, and voluntary payments, the Dutch healthcare sector provides essential medical to all residents, no matter their income.

How long can I go without health insurance in the Netherlands?

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.

Will I get money back from health insurance Netherlands?

Zorgtoeslag Refunds. If you didn't get monthly payments for medical insurance, you are free to submit a request and start insurance refund called Zorgtoeslag for 2021/22. The amount of refund depends on your salary and working period.

What are the mandatory benefits in the Netherlands?

Employee benefits in the Netherlands fall under three categories: Mandatory (or statutory) benefits: Minimum wage, health insurance, etc. Supplementary benefits: 13-month salary, child support, etc.

How much does an MRI cost in the Netherlands?

Are ambulances free in the Netherlands?

If your situation warrants it you should seek assistance from a hospital. They are staffed and equipped to deal with emergencies. Emergency services (including transportation by ambulance) are not free and you will be billed for any services rendered to you.

Is it free to call an ambulance in the Netherlands?

The costs of an ambulance in the Netherlands for people who don't live here and don't pay health insurance is around €700,-. You will only need to pay for this in case you are taken to the hospital. If the ambulance only comes and stabilizes you on the spot but you don't need to be transported, there are no costs.

What happens if you get sick in the Netherlands?

If you are ill, you receive at least 70% of your income from your employer or from UWV. You receive this amount during the first 2 years of your illness. If you have a fixed-term contract, the continued payment will not extend beyond the duration of the contract. After this, you have the right to a benefit from UWV.

Can tourists go to the doctor in the Netherlands?

In the Netherlands you have a right to health care, even if you do don't have a residence permit, therefore you may certainly make an appointment to see a doctor.

Is emergency Care Free in the Netherlands?

Not free of charge

Do keep in mind that medical services (both regular and emergency) are not provided free of charge in the Netherlands.