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. 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