Take out health insurance

Health insurance is compulsory in the Netherlands. This pays the costs of your medical care, for example visits to the GP or hospital. Even if you do not live in the Netherlands but work here and pay income tax, you have to take out Dutch health insurance.

The basic insurance covers standard care from, for example, the GP, hospital or pharmacy. Most care in the basic package is subject to a deductible. You often also have to pay co-payments.

What are deductibles?

You pay a deductible if you are 18 years or older and use care from the basic package. Except when it comes to care for which no excess applies, such as the GP. The government has set the compulsory excess at €385. You therefore pay the first €385 of healthcare costs covered by the excess yourself.

What is co-payment?

For some medical expenses from the basic package, you pay a personal contribution. For example, for maternity care and hearing aids. The government decides for which care the personal contribution applies and how high it is.

The difference between excess and co-payments

Co-payments and excess are different things. The compulsory excess applies to most care in the basic package. For some care, a co-payment is required. This can be a fixed amount or a percentage of the costs. For example, orthopaedic shoes, hearing aids and patient transport.

What is supplementary insurance?

Supplementary insurance covers (part of) care that is not included in the basic package. For example, extra reimbursement for dental treatment. There are various packages, all of which supplement the basic insurance. The health insurer determines the conditions and reimbursements. Supplementary insurance is not compulsory. Because there are many different packages, it is important to match the supplementary insurance to what you need.

What is care allowance?

You may be entitled to care allowance if your income is minimal. This is money you get from the tax authorities. It allows you to pay part of your premium; the rest you will need to cover yourself.

You can find more information on the website of the tax authorities.

What happens if you don’t take out a health insurance?

If you do not take out health insurance, you will receive notifications from the Netherlands Healthcare Institute. You will then have three months to take out health insurance. If you do not, you will be fined more than €400. The amount of the fine is determined per year. If you still do not arrange health insurance for yourself, you will receive another fine. After this, the Netherlands Healthcare Institute registers you with a health insurance company. This is not convenient, as you will pay a much higher premium.

Do you have questions about your health insurance? Would you like help signing up? Schedule an appointment with one of our social workers.

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