Health Care Insurance Act
The goal of the Health Insurance Act is to provide a standard, essential insurance that covers curative care costs. The insured has to have a standard health care plan; the health insurance coverage can be extended by adding supplemental medical plans. The government determines which medical care is covered by the standard heath care plan and this plan is compulsory for inhabitants of the Netherlands. The health insurers are obliged to accept anyone who applies for standard health insurance. The standard insurance plan is compulsory in contrast to supplemental plans, which do not fall under compulsory acceptance. Those insured may switch health insurer once a year.
The premium consists of a nominal monthly fee for insured individuals. Besides that, employees pay an income-related contribution. Employers deduct this from your gross salary and pay this amount directly to the Tax office (Belastingdienst).
For the basic insurance, you pay a premium to the insurance company. This is known as the nominal premium. This nominal premium generally costs about € 1288,- per annum [year] per person. For children under the age of 18, the standard insurance (basisverzekering) is free of charge.
Depending on your income and family situation, you may be eligible for compensation. This compensation is applicable if you live alone and your income is not higher than €27.012,- per year, or if you live with a partner and your total income is not higher than €33,765 per year. You can find more information about this compensation (’zorgtoeslag’) on www.toeslagen.nl (this information is only available in Dutch).
What costs are included in the basic health care package?
- medical care, including general practitioner, hospital care and prescribed specialist care
- dental care (until the age of 22, as from age 22 only specialist dental care and dentures)
- medical aid
- reimbursement of certain medications
- post-natal mother and baby care, midwife services, ivf treatment
- ambulance costs and costs of transport
- rehabilitation care (limited physiotherapy/rehabilitation, speech therapy, occupational therapy and dietary advice).
If you do not live in the Netherlands
The Health Care Insurance Act applies for those working in the Netherlands who do not (yet) live in the Netherlands. If this is the case, you are required to take out a basic insurance policy, for which you have to pay the nominal premium and the income-related contribution. In addition, you may be entitled to a health care allowance.
If you are moving abroad again, do not forget to terminate your Health Insurance contract. Otherwise you will be charged for continuing this contract.
More information on the health care allowance can be found on www.toeslagen.nl. For more information on the Health Care Insurance Act, please see: www.zorgverzekering.org/eng/ and www.minvws.nl/en/.
The insurance company Zilveren Kruis Achmea offers a collective insurance package for temporary workers of Undutchables at a discount of 10%. Call you Undutchables office for the collectivity number.
Insurance company LoonZorg offers custom made expat health insurance policies without deductible/’Eigen Risico for only 93,03 euro per month.
You can also compare various insurance plans from insurance companies on http://www.independer.nl/.
We have tried to give you a brief summary of the ‘basisverzekering’. No rights can be obtained regarding the above information, since we are not insurance experts!