Health insurance in the Netherlands

Every person that lives or works in the Netherlands has the obligation to take out a basic Dutch health insurance policy (Basisverzekering), even if you are already insured back home.

Health insurance in the Netherlands is mandatory

The basic Dutch health insurance policy offers a universal package for everyone over the age of 18 years, this is regardless of age, state or health. It’s illegal for health insurance companies to refuse an application or impose special conditions. The Dutch government decides every year, what is covered and what the compulsory excess is. If you don’t take out insurance while you are required to do so, you risk a fine.

In some cases your employer will organize and offer corporate healthcare insurance. You can check with your employer if this applies to you. If your employer doesn’t offer corporate health insurance, you may check websites that compare all insurance companies and their services, for example this one: Zorgwijzer

There are a few notable exceptions to this general rule, such as children, temporary visitors from the EU and students.  The following websites will inform you if you are covered or whether you have the legal obligation to have a basic Dutch health insurance policy:

Sociale Verzekeringsbank(National Insurance)

Zorgverzekeringslijn (Health Insurance policy)

More information on this topic can be found here.

Children

Children under 18 don´t require a basic Dutch health insurance policy, but are automatically covered under their parents’ policy.

Temporary visitors from the EU

If you hold the European Union Health Insurance Card (EHIC) you will be covered while your stay is temporary (as decided by the insurer in your home country). If your stay is not temporary or as soon as you have a residence permit, you must take out a basic Dutch health insurance policy

Students

Students from the EU/EEA/Switzerland are exempt from paying health insurance – unless they are working, even part time, or as part of a paid internship. Non-working students will be given an European Health Insurance Card, or an international declaration form instead.

Students from outside the EU need insurance like everyone else.

Sometimes colleges and companies have a contract with a health insurer so that students and employees can enjoy discounted premiums.

Health Costs

If you have Dutch health insurance you pay a quarterly registration fee to the practice and a small fee per consultation or medical treatment. These are directly covered by the health insurance company if they have contracts with the practice. SGE has contracts with all Dutch health insurance companies.

If you have International health insurance you are not able to pay a registration fee and therefore pay a larger fee per consultation or medical treatment. SGE does not have contracts with all international insurance companies and will therefore send those patients a bill. Patients can then ask to be refunded by their health insurance company.

The fees for treatment are determined by law according by the Health Service Tariff Tribunal (College Tarieven Gezondheidszorg).