Generally speaking, most foreigners living or working in the Netherlands are required by law to sign up for the Dutch public health insurance system within four months of obtaining their residency: There are, however, some exceptions depending on your situation. Health insurance in the Netherlands. It is in these ‘extras’ that insurers compete with their basic Dutch insurance package. No-one can be denied the basic package, no matter the pre-existing conditions or person’s lifestyle. Unlike the basic policy, insurance companies are not obliged to accept you for extra insurance. You have set Sunday aside to relax, playing a bit of football with friends . Want to know more about health insurance? However, what you pay exactly will depend on the insurance company you pick, but what is good to know is that the system works on a fair basis of solidarity so your age, gender, pre-existing medical conditions or any other factor will not change that price. The Dutch government has … You are free to select the health insurance provider of your choice. 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. contact us However, should you require certain treatment and medication you will need to pay more out of your own pocket before your insurance kicks in. However, if your condition requires immediate care, you might get access to it sooner. This site uses functional cookies and external scripts to improve your experience. Failing to do so leaves you liable for a hefty fine and a retroactive bill. As expats, we understand what you need, and offer the Every permanent resident or temporary resident working in the Netherlands has one. Find out about Dutch health insurance providers, what you're covered for and how to apply, to make settling in to life in Amsterdam that much easier. All plans feature a coverage period of 5-364 days, offer a choice of deductible amounts, and are available to persons aged 14 days and older. If you are student attending a 3-year university course, or an employee of a company on a multi-year assignment, the surcharge costs less than travel health insurance for the same period. Do I need health insurance in the Netherlands? To find a doctor that works in your area, refer to this online directory. Waiting times for doctor appointments are short compared to other countries. The government in the Netherlands is responsible for the quality and accessibility of healthcare; however, they do not manage it. Basic health insurance packages are just over €100p/m. Signing up can be done quickly and easily with your chosen provider, either online or over the phone. If you register with a GP before you fall ill, you will save yourself a lot of hassle! Organizing an international relocation is not something you should do on your own. If you are coming to live permanently in the Netherlands then it is obligatory to have a basic Dutch health insurance (basisverzekering) policy – even if you already have private medical insurance from a non-Dutch company such as BUPA. That can be done at the local council as well. International insurance for residents is not accepted in the Netherlands. Dutch visa insurance plans are very low cost and affordable travel insurance plans. care from certain therapists, such as speech therapists. Basic care can be limited as many family doctors choose a very non-intervening approach to medical care. Health insurance is mandatory in the Netherlands. Some employers also offer corporate health insurance schemes for employees. Here are the most important features of the OOM Schengen Visitor Insurance. today? can help you with a complete Make sure you and your family are covered for every eventuality by reading our guide to health insurance in the Netherlands. Whatever stage you are at, InterNations GO! Long-term and elderly care (Medicare) is covered by social insurance (wet langdurige zorg or WLZ). This site uses functional cookies and external scripts to improve your experience. If you are living in the Netherlands and have health insurance in another country, the ‘Verdragspolis’ ensures that your healthcare is reimbursed in the Netherlands as well. For 2020, the standard excess fee for all insurance companies is set at €385. You must take out health insurance within 4 months of your arrival. This plan can satisfy the health insurance requirements of the travelers or tourists to Netherlands as well as it … You have to pay for medical care in the Netherlands. outpatient care (by GPs, specialists, and obstetricians), dental care (children up to 18 years old), limited therapies (physiotherapy, speech therapy, occupational therapy, dietary advice, etc. Online directories such as this one will help you find a dentist in your area. This may be cheaper than taking out a policy individually, so be sure to ask your employer if they offer a corporate scheme. The services included in this package are decided annually by the Dutch government. Because public health insurance as such does not exist in the country, people need to take out private health insurance when living in the Netherlands. However, if you do not feel comfortable using these languages, you are allowed to bring a friend or a relative to help you out with communicating your needs. The government tightly regulates the Dutch company plans and quality of the coverage. Their easy-to-use English website will help you find the right policy for you and your family. However, medical care is made accessible to everyone. 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. Learn More. To do so, you need to declare your intentions to cancel your policy prior to 1 January. For more on these topics, the common costs, and the typical healthcare approach, continue reading this Netherlands healthcare system overview. During the first trimester of your pregnancy, you should register for a maternity nurse (kraamverzorger), who can provide assistance for the first week of parenthood. The Dutch health insurance is a two-level system: The basic Dutch insurance package typically covers all costs for common medical care services. Do you want to relocate? Consider the following: Yes, but residents of the Netherlands may only change health insurance providers once per year. How and what you need to pay is determined once your venture is assessed by the Dutch Tax and Customs Administration and the Social Insurance Bank. Read how to choose between local or international private health insurance. Some quick, important facts about health insurance in the Netherlands: Health insurance in the Netherlands is a complex but well-built universal system: it is regimented by public policy, but implemented via private companies (which, for the most part, function as non-profits). 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? relocation checklist. HollandZorg provides Dutch health insurance for migrant workers. How does health insurance work in the Netherlands? Once the surcharge is paid, you'll be covered by the free NHS services in the same way as British subjects and permanent residents. In Netherlands we are one of the most chosen health insurance companies by foreign workers. Your health insurance will pay you back for some of it. You must take out a Dutch health insurance if you have a part-time job or if you are doing a paid internship in the Netherlands. How does health insurance work in the Netherlands? How do you find a specialist in the Netherlands? If the thought of how to find a doctor and dentist that speaks your language worries you, know that you should not have many problems in the Netherlands. That means, if the mother does not have any complications, they do not need to visit a gynecologist through her whole pregnancy. They are the ones that provide the basic medical care and tests and give referrals to specialists. Providers also offer a cooling-off period, allowing you to cancel your premium within a set amount of time after initially signing up. It's called Zorgtoeslag - healthcare allowance in the Netherlands and is … People with low incomes might be eligible for health insurance benefits, sometimes referred to as allowances. You may change your settings at any time. International insurance for residents is not accepted in the Netherlands. After the baby is born, you will need to register the birth at a local council in a matter of three days. Finding a family doctor (huisarts) is crucial when living in the Netherlands as they are the so-called gatekeepers to the rest of the healthcare system. There are two main forms of statutory health insurance in the Netherlands: 1. There are certain conditions, however, which determine if you are eligible for public insurance or will instead need to take out a … The insurance plans for the long stay tourist visa in Netherlands offer a minimum coverage up to € 30,000 with $0 deductible, emergency medical evacuation and repatriation coverage while in Netherlands. Wet langdurige zorg(Wlz) – covers long-term nursing and care. Our team of experts is ready to help you find a home abroad, move your household goods, and settle into your new country. When signing up for health insurance, it’s essential you find the cover best suited to you and your family. If after that you are still not insured, you will need to pay another fine and the government will choose your insurance with higher-than-usual premiums. You can apply for the allowance using the My Benefits (Mijn Toeslagen) website. You sprain your ankle. The price for a standard package can cost 80–130 EUR (90–140 USD) per month. As a result, your age and health condition can impact your chances of approval – and of course the cost of your health insurance package. can you take out supplementary insurance for any care or treatment that’s not included in the standard package? ONVZ is a Dutch health insurance company with over 80 years experience in providing personalized health insurance advice and coverage. Note that in the Netherlands the government has set prices for most orthodontal procedures, so you do not need to worry about the price difference between most dentists. Unlike in many other countries, giving birth in the Netherlands for residents and non-Dutch nationals is treated as a natural, not a medical condition. Some providers offer an English sign-up process. Also, note that not all insurance policies cover hospital births, so check with your insurance provider what options you have. In case of an emergency you should call the EU emergency number 112 or go to a hospital’s emergency care. to help you move and live abroad easily. Whatever your health insurance needs, our International Medical Plans can be tailored to meet them, while always offering a global support network of hospitals and medical professionals. Taking out the standard insurance package here is mandatory and its components are regulated by the government. Our Essential ServicesMake Relocating Easy for You. So, you should not expect to be treated any differently form the Dutch nationals when it comes to giving birth. Most standard insurance packages cost around €100 a month, which covers basic health care (trips to the GP, hospital, referred specialists and many prescription drugs). The availability and coverage of these additional packages will vary between providers. For 2017, for instance, thi… It is no different with healthcare and health services or health insurance in the Netherlands. This means that medication is only prescribed when the doctor is sure that your issue is serious. 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. Visiting the Netherlands as a tourist If you are visiting the Netherlands as a tourist, you do not fall under the Dutch health insurance system. You can switch your health insurance once a year. To move to the Netherlands permanently, you’ll need basic Dutch health insurance, even if you have private international health insurance from a non-Dutch company. 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