Published April 23, 2024
If you are new to the Netherlands, one of the initial tasks on your checklist is likely sorting out your health insurance. It is vital to ensure both you and your loved ones are well-covered in your new home. In this article, we will guide you through the basics of Dutch healthcare, alongside what is covered and how to apply for suitable health insurance. In the meantime, we will also ensure that your temporary care is well arranged.
Moving to the Netherlands introduces you to a renowned healthcare system, essential for everyone living or working here. Central to this is mandatory health insurance, pivotal for accessing services. The Dutch system is unique for its competitive insurance market, giving you the freedom to choose among various providers after arriving. You have four months to select a plan that suits your needs, with insurers competing on coverage, price, and service. The government sets the basic package, but additional options offer tailored coverage. With the right plan, you are ready to navigate the Dutch healthcare system, taking advantage of the choice and quality it offers.
Basic and additional healthinsurance
The basic insurance package typically covers GP visits, hospital treatments, certain medications, and access to obstetricians and midwives. It also extends to dental care for under 18s, some mental health services, and nutritional/dietary care.
Eigen risico
Your basic insurance isn’t completely covered by your insurance, it comes with an 'eigen risico' (deductible) which you must pay before insurance contributions are activated. In 2024 the minimum eigen risico is €385. If you’re healthcare costs are higher than this, the rest will be covered by your insurance. You could also increase your eigen risico, because your insurance premium will cost less. There are a few exceptions in which you don’t need to pay the eigen risico, like visiting your GP or care during and after pregnancy.
Not-covered healthcare
Over-the-counter medications, most adult dental care, certain cosmetic surgeries, and specific treatments like physiotherapy are not covered unless deemed medically necessary. For those seeking more comprehensive coverage, The Dutch market provides a wide array of choices. Websites like ZorgWijzer.nl and Independer simplify comparing these plans to find one that best suits your lifestyle and needs.
Good to know: children under 18 are insured at no extra cost but must be registered with an
insurer promptly. Also, the flexibility of the Dutch system allows you to annually reassess and
switch your insurance provider, tailoring your coverage as your family's needs evolve over time.
Applying for health insurance in the Netherlands as a newcomer involves gathering essential documents like a valid ID, your Dutch BSN, proof of residence, and bank details. You can compare providers and plans on the mentioned comparison websites, then apply online, usually receiving approval within a week. Upon approval, you'll get an insurance policy, a health insurance card, and guidance on using your new coverage.
For those awaiting a BSN, options like OOM Verzekeringen offer temporary coverage, ensuring you are protected from day one. Immediate care from GPs is available regardless of insurance status, with the possibility to retroactively cover any incurred costs once your insurance is activated.
This article was prepared in collaboration with RSH | Relocation and Immigration Services, a full-service Relocation, Immigration, and Home Finding agency with 35 years of in-house experience. RSH provides support to knowledge migrants, HR managers, recruiters, and expats in organizing immigration matters, moving to, and housing in the Netherlands.
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