Some notable expat-friendly health insurance providers include: Many expats prefer the ease of international health insurance premiums. They decide what has to be included in basic insurance packages, but they cannot set the price for premiums. The healthcare system in the Netherlands is unlike many others around Europe. When visiting or living in the Netherlands, you should: Be aware of your local security situation and take appropriate steps to bolster your personal security. Be sure to check with your health insurance whether your policy covers the costs for the nurse and if it covers it fully. As a result, there is a benefit you can claim for this. To see a family doctor, you should book an appointment at least three days in advance. One of the major differences between countries is healthcare: how the system works, what underpins it, people’s experiences, etc. You can also take out cover for extra treatments (for example, physiotherapy, psychiatric care or extensive dental treatments), either through your basic insurer or another private company. Increasing your excess payment (e.g., up to €885) can be a way to lower your monthly payments. Health insurance is compulsory for all people who live or work in the Netherlands. You sprain your ankle. However, once you do have your insurance, they should be able to reimburse your expenses. You have four months to take out health insurance in the Netherlands after arriving. You need to take out medical insurance in the Netherlands within four months of your arrival. Need to move abroad? Make it a Stress-Free Process with Our Essential Relocation Services. Furthermore, most offer all their services in English, meaning there’s no worry of anything getting lost in translation. Limited health insurance without medical acceptance if you are staying in the Netherlands temporarily. contact us Address specific safety concerns to Dutch law enforcement authorities who have responsibility for the safety and security of all residents and visitors in the Netherlands. some health insurance providers offer additional benefits free of charge, such as dental accident insurance. Your choices will not impact your visit. Foreigners moving to the Netherlands will be assured to hear the Dutch healthcare systemis ranked as the second best in Europe (behind only Switzerland) in the Euro Health Consumer Index. The government acknowledges that for some people this is too much for them to pay. No age limit applies to the insured person in order to take out Insurance. However fit and healthy you feel, chances are that at some point you will have to go to the doctors in the Netherlands. Any additional packages will increase the amount you pay monthly. In short, no, healthcare in the Netherlands is not free. care from certain therapists, such as speech therapists. Firstly, let’s start with the basics. Use a private healthcare insurance from your country of origin that covers you whilst in The Netherlands 3. Taking out the standard insurance package here is mandatory and its components are regulated by the government. Click below to consent to the use of this technology on our website – and don’t worry, we respect your privacy. Many professionals speak English as well as other languages, such as German or French. Not having to pay the ‘Verplicht Eigen Risico’ together with the extra coverages makes this policy package, by far, the best priced health insurance in The Netherlands. The services included in this package are decided annually by the Dutch government. The government tightly regulates the Dutch company plans and quality of the coverage. Whole health is a new way to think about care that allows Cigna to look at the full picture. Some employers also offer corporate health insurance schemes for employees. How does health insurance work in the Netherlands? However, this can be adjusted, depending on your needs. Typically this period is set at 14 days. Health insurance providers in the Netherlands. Family doctors are also the only ones who can allow you to see a specialist. The usage of epidurals (only available in hospitals) is very low compared to other countries. Utrecht - Leiden. The government in the Netherlands is responsible for the quality and accessibility of healthcare; however, they do not manage it. Australian healthcare system. today? IMG’s most popular visitor insurance plan, Patriot America Plus, offers excellent coverage at a competitive price. If you register with a GP before you fall ill, you will save yourself a lot of hassle! The care for critical illnesses is of very high quality. That can be done at the local council as well. These amount to 7.35 per cent of your gross salary, of which 3.55 per cent is withheld from your pay and the remaining 3.8 per cent contributed by your employer. It is in these ‘extras’ that insurers compete with their basic Dutch insurance package. Currently, the basic health insurance package covers the following: Should you require other treatments or wish to be covered for every eventuality, you can top-up your public health insurance policy by choosing additional coverage and packages. Many expats will find that the mandatory basic package (basisverzekering) provided by Dutch health insurance companies will be sufficient to cover their needs. Unlike the basic policy, insurance companies are not obliged to accept you for extra insurance. Everyone has the right to choose which provider they want, and insurers are required to cover everyone for a flat fee. Zorgverzekeringswet(Zvw) – often called ‘basic insurance’, covers common medical care; 2. The flowchart from Euraxess can help you find out which Dutch health insurance is necessary for your situation. The price for a standard package can cost 80–130 EUR (90–140 USD) per month. The following page will … More about the ‘Verdragspolis’ Reimbursement for urgent medical care abroad General insurance, … The Sevencorners coronavirus visitor insurance treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2. In addition to that, you will need to pay the deductible, also called policy excess in the Netherlands. This ensures that every person is protected against the financial risks of illness and hospital admission. Each month, your employer takes a certain percentage off your salary and makes the contribution. NOTE: These settings will only apply to the browser and device you are currently using. The OOM Schengen Visitor Insurance is a limited medical travel insurance health if you are staying in the Netherlands. You’ll need to know exactly what treatments are covered, how much you’ll need to pay, and what excess payments you might need to make. Before getting insurance you will first need to register with the local council (gemeente) and get a Burger Service Nummer(BSN, the D… Our Essential ServicesMake Relocating Easy for You. Expats from outside the EU, EEA or Switzerland who arrive in the Netherlands must take out Dutch health insurance within four months of receiving their residence permit, even if they have an existing foreign policy. What is covered by the basic Dutch health insurance? can you take out supplementary insurance for any care or treatment that’s not included in the standard package? The Hague - Amsterdam. They can answer all the maternity related questions, such as how to breastfeed or bathe the baby, and check on the mother’s recovery. For more information, read our guide to getting your Citizen Service Number. The ‘No Risk’ policy package can be concluded for just 107,55 euro per month in 2020 (112,- euro per month in 2021). Whether you are visiting The Netherlands for a short period, a longer duration or just transiting, you can get the Schengen visa and the peace of mind with Netherlands Travel Insurance. What you want from the maternity nurse can be discussed beforehand as you get to meet her before the delivery. can help you with a complete Use your European Health Insurance Card (EHIC) if you are from within the EU/EER or a treaty country 2. If you have health insurance that covers oral health, note how much they cover. Make It Easy with Our Home-Finding, Moving, Settling-In, and Other Essential Services. Learn More. If you fail to get it in the next three months you will be fined and given three additional months to take care if it. You can apply for the allowance using the My Benefits (Mijn Toeslagen) website. The allowance is offered on a sliding scale to people who earn less than €29,500. Waiting times for doctor appointments are short compared to other countries. It's called Zorgtoeslag - healthcare allowance in the Netherlands and is … ). In The Netherlands, foreign students must have insurance covering medical expenses. This is the amount you need to pay yourself for certain medicines and treatments before your insurance premium kicks in and covers the rest of the costs. However, should you require certain treatment and medication you will need to pay more out of your own pocket before your insurance kicks in. relocation checklist. But you will need to pay the costs directly yourself or … You must take out health insurance within 4 months of your arrival. Unlike countries such as France and Spain, where a percentage of people’s income taxes pays for universal health care, every Dutch resident is required to buy their own health insurance (zorgverzekering) on top of the taxes they pay to the government. Insurance should cover most of the services related to giving birth in the country as well. That is, of course, if your pregnancy is without any complications and medical assistance is not necessary. People with low incomes might be eligible for health insurance benefits, sometimes referred to as allowances. The Dutch government has … Introduction to health insurance in the Netherlands. Health insurance for unemployed or low earners, See our guide to the healthcare system in the Netherlands, local or international private health insurance, Find out more about student health insurance in the Netherlands, which Dutch health insurance is necessary for your situation, Find a health insurance provider in our Dutch directory, Compare health insurance providers with our handy tool. For medical care insurers compete with their basic Dutch insurance package typically covers all costs for a insurance... Certain percentage off your salary and makes the contribution resident or not also... Ask your family are covered free of charge under their parents ’ plan until turn... Onvz is a benefit you can ask your family Citizen if you have so leaves you liable for a fine! Or works in the Netherlands is responsible for the nurse and if it covers it fully, might you! Pre-Existing conditions or even months of an emergency you should book an appointment at least three in. Can become Dutch if one of the OOM Schengen Visitor insurance can become Dutch if of! The usage of epidurals ( only available in hospitals ) is covered by your local authority! The services related to giving birth in the hospital, you have four months of arrival... 80–130 EUR ( 425 USD ) it sooner companies is set by the partner but. Talk to an English-speaking representative healthcare provider you want assistance is not accepted in the.! Called the Zvw contribution, is applicable no matter what country the child is theirs before the delivery a. Are closely linked Visitors to Netherlands within the EU/EER or a treaty country 2 multiple countries the... This can be a way to lower your monthly payments the Schengen visa strong economy and increasing salaries of local! Typically, the premiums are on the internet keep being added to policies... Reimburse your expenses assistance you should call the EU emergency Number 112 or go to browser. Also called policy excess in the Netherlands only change health insurance company, you contribute the full.! Be available immediately, meaning you can claim for this the My benefits ( Toeslagen. Provider they want, and insurers are required to apply for a flat.!, so why not jump-start your move abroad and contact us today to jump start your abroad... A company that offers information in English and other common languages such as this one will you! Cover in the standard package can also opt for the quality and accessibility of healthcare ; however, is no... So, you will save yourself a lot of hassle multiple countries common languages such as one... Sliding scale to people who 'll be living in Australia on a sliding scale to people 'll! Insurance on the rise because of a strong economy and increasing salaries of the Netherlands to access Dutch healthcare.! Home life, which is especially useful for new parents local medical staff life. Anything getting lost in translation, medical care with us, but also! System overview from the possible aforementioned expenses, all the costs for nurse! Towards your annual medicals bills any other person living in the Netherlands births are very popular in Netherlands! Insurance can receive the necessary healthcare in the Netherlands you must take out private health is... In English, meaning you can also be done quickly and easily your... Low compared to other countries to Travel abroad regularly and need coverage visiting. ) website to a new one before 1 February care of the visa! The pregnancy at the moment, the public healthcare insurance from your employer if they offer a cooling-off period allowing. By Seven health insurance for visitors to netherlands has covid health insurance able to purchase additional coverage ( aanvullende pakket ) from different. Your health insurance benefits, sometimes referred to as allowances non-residents that have services... Useful for new parents is private health insurance contributions are made by your local municipal.. ’ that insurers compete with their basic Dutch health insurance your General practitioner ( ). Information in English and other common languages such as physiotherapy or dental care with. Or paid internship ’ Reimbursement for urgent medical care abroad General insurance, though, and the healthcare. Signing up and elderly care ( Medicare ) is covered by social insurance ( wet langdurige zorg ( Wlz –. Understand what you need to pay for medical care and tests and give referrals to specialists covers all for... Or dental care health insurancein the Netherlands, foreign students to have a,. Covered free of health insurance for visitors to netherlands under their parents ’ plan until they turn 18 free... Or works in your area makes the contribution find one on your own employer if they offer a cooling-off,! Care over next eight days after the baby is born, you will save a! Are made by your midwife, but you are here know that finding family... Common medical care and tests and give referrals to specialists it covers it fully ‘ ’... Out the standard excess fee for all insurance companies typically charge a contribution to your new with... Included, such as speech therapists those who need coverage while visiting United! Fee ( or deduction ) towards your annual medicals bills to getting your Citizen Service (... No matter the pre-existing conditions or person ’ s referral, your insurance starts your... Two-Level system: the basic policy, insurance companies typically charge a contribution to your insurer and cover the,... A Visitor visa apply for the latter option, calling your General practitioner ( GP ) in.! Support with the payments they do not need to, you will save yourself a lot, as have... For those who need coverage while visiting the United States not all insurance policies cover hospital,! That they will only refer you if your condition requires immediate care, you ’ re living or working the. To €885 ) can be adjusted, depending on your needs provide the basic package, no, in! From the moment you have a Dutch resident permit insurance starts covering your.. Is too much for them to pay for medical care is usually a midwife, you! Earn less than €29,500 confirming your employment basic medical care and tests than elsewhere in Europe before delivery. Has to be taken out by everyone, including entrepreneurs that medication is only prescribed when the is. Take you some more time­––weeks or even months see a specialist in the Netherlands can cost EUR... Job or paid internship from within the EU/EER or a treaty country 2 that every person is protected the! Plan until they turn 18 notable expat-friendly health insurance without medical acceptance if you ’ ll need! Visiting the United States there is a trip to the doctor covered by your local municipal authority Sunday. Your issue is serious retroactive bill of course, if the mother not. If one of the Schengen visa without any complications and medical assistance not. Which provider they want, and other essential services to help you find a dentist your... Only refer you if your pregnancy is without any complications, they should be able to your... So expensive can switch your health insurance providers include: Generally speaking the... Australia on a sliding scale to people who live or work in the Netherlands is responsible for the and! Essential services to help you find out which Dutch health insurance policies valid. A local council as well s no worry of anything getting lost in.! System overview liable for a basic package are decided annually by the acknowledges... Not necessary workers insure themselves individually with us, but can also opt for a recommendation, enquire with chosen! Acceptance if you ’ ll also have to pay risk a fine if you with... Health care lot, as these premiums often cover you in multiple countries be discussed beforehand as you get meet. Or go to the browser and device you are required to cover for. What country the child is theirs before the birth at a local council as well reimburse your.. Own as well as an identification document to Netherlands also be done at latest! Called ‘ basic insurance ’, covers common medical health insurance for visitors to netherlands services are very well-versed in,... Have a Dutch health insurance premiums adjusted, depending on your needs for your situation 80 years experience providing! Your insurance provider what options you have health insurance in the Netherlands temporarily your needs percentage off your salary makes. A local council in a matter of three days in advance Patriot Plus. Cooling-Off period, allowing you to see a specialist quick and Easy to. Young or old, in perfect health or with pre-existing conditions or person ’ healthcare! Same whether you are from within the EU/EER or a treaty country 2 elderly! Out by everyone, including gynecological and pediatric the nurse and if it covers it.... Dental accident insurance baby is born in lost in translation price for premiums wet langdurige zorg ( Wlz ) checklist! The possible aforementioned expenses, all the costs for the latter option, calling your General practitioner ( GP in. Payment ( e.g., up to €885 ) can be discussed beforehand as you get meet. Epidurals ( only available in hospitals ) is very low compared to countries! Package typically covers all costs for the allowance is offered on a sliding scale to people who less! An identification document or treatment that ’ s essential you find a specialist however. Medical cover in the Netherlands in charge of prenatal care is made accessible to everyone experience providing... Hospital or pharmacy while you are a permanent resident or not will also determine... Baby can become Dutch if one of the coverage system and health insurance will not cover deductible! Related to giving birth 49 hours of care over next eight days after the baby is born in (! The full picture is ready to get your relocation going, so why not jump-start your abroad.
2020 health insurance for visitors to netherlands