What happens if you are not insured in the Netherlands? (2024)

What happens if you are not insured in the 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.

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

You must take out Dutch health insurance within four months of your permanent residence permit coming into force. Your health insurance policy must be effective from the date your residence permit comes into force.

Is insurance mandatory 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 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.

What will happen if we don't have health insurance?

Not having health insurance can lead to large debt, affect your health if you delay care and may even hurt you at tax time, depending on your state. Here are aspects of being uninsured that you should understand.

Is it illegal to not have health insurance in 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.

How much is the fine for not having 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.

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.

Is healthcare free in Netherlands for foreigners?

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.

Do I need insurance to go to Amsterdam?

Even if you have the GHIC, you'll still need Travel Insurance to Amsterdam to cover lost luggage and cancellations, as well as any additional medical costs and repatriation that your GHIC card doesn't entitle you to.

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 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.

Does the IRS penalize you for not having health insurance?

The fee for not having health insurance (sometimes called the "Shared Responsibility Payment" or "mandate”) ended in 2018. This means you no longer pay a tax penalty for not having health coverage.

Does the IRS still require proof of health insurance?

Health care coverage documents

You are not required to send the IRS information forms or other proof of health care coverage when filing your tax return. However, it's a good idea to keep these records on hand.

How many Americans don't have health insurance?

The Share of Americans without Health Insurance in 2022 Matched a Record Low. In 2022, 26 million people — or 7.9 percent of the population – were uninsured, according to a report in September 2023 from the Census Bureau.

Who pays for health insurance 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.

Do Dutch companies pay for health insurance?

All individuals living in the Netherlands have to participate in the health insurance scheme (zorgverzekering). For individuals who are employed, the employer will pay part of the insurance - 6.68% on income up to a maximum of €66,956, with a maximum of aprox. €4,472 euros to the Dutch Tax authority.

Can I have international health insurance in Netherlands?

For example, if your Dutch insurance or the policy you have in the country where you will be living does not provide enough coverage. You can take out international health insurance with any of a number of commercial parties in the Netherlands or abroad.

How does health insurance work in Netherlands?

Standard package

The health insurance system in the Netherlands is based on the principle of social solidarity. Together, we all pay the overall cost of health care. Everyone contributes, for example, to the cost of maternity care and geriatric care.

How to take out Dutch health insurance?

How to take out a Dutch public health insurance?
  1. You must be registered with a municipality before you can take out a basic health insurance.
  2. Choose your health insurance from one of the Dutch public health insurers . ...
  3. The registration is complete once you have received an insurance policy (in Dutch: polisblad).

Is the Netherlands a healthy country?

The Netherlands ranked eighth-healthiest country in the world.

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.

How much does it cost to go to the hospital 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

Is Dutch healthcare good?

The Netherlands ranks second, for instance, in a 2021 study that analysed healthcare in 11 high-income countries. Also in 2021, CEOWORLD Magazine's Health Care Index rated the Netherlands as the 11th best healthcare system in the world.


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