The Dutch healthcare system
The Dutch healthcare system most probably is different from the healthcare system you are used to in your own country. Dutch health insurances can be generally divided into two parts, the basic insurance and the supplementary insurance.
The basic insurance is obligatory for every Dutch citizen. The supplementary insurances can be added to the basic insurance for complementary coverage. To introduce you to the Dutch healthcare system we have written several different texts to familiarize you with its merits.
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The amount of deductible excess in the Dutch healthcare system is partly fixed. Two types of deductible excess can be distinguished, the obligatory deductible excess and the voluntary deductible excess. The first type is obligatory to every single person that has a Dutch basic healthcare insurance. The other type is voluntary, you have the possibility to decide for yourself if you want to raise the amount of deductible excess. This will result in a lower amount of premium you have to pay every month. Read more about deductible excess
Healthcare allowance is a compensation for the relatively high costs of the basic health insurance. Especially as a student you probably don’t have a high monthly budget. If you are eligible for the healthcare allowance, the Dutch Tax Authority will pay you the compensation. The amount will depend on your income and the family situation. To apply for a healthcare allowance you will need to contact the Dutch Tax Authority. Read more about healthcare allowance.
Changes healthcare insurance
Each year the Dutch government changes the coverage of the basic healthcare insurance. The changes can be divided in positive and negative changes. For example, in 2016 organ donors are entitled to an reimbursement of travel expenses. An example of a negative change in 2016 is that the deductible excess has been increased from €375,- to €385,-. Read more about changes in the Dutch healthcare insurance.
European Health Insurance Card (EHIC)
When you travel to the Netherlands it is recommendable to get an EHIC card. This card is valid throughout all the European Union and provides you with the necessary healthcare abroad. You will be able to receive the same medical care as inhabitants of the country you’re visiting. The insurance will cover the costs of comparable medical emergency treatment in your own country. In most cases it will be sufficient to cover the necessary medical treatment needed. If you want to apply for an EHIC card, go to your insurance company in your home country. Read more about the European Health Insurance Card.
Dutch system compared to other EU countries
The differences between the Dutch health care system and the systems of other European countries are significant. For example, there are European countries that only provide basic coverage whilst others have universal health care systems. We’ve made a comparison of the different existing health care systems in European countries to give you an overview of the differences. Read more about the Dutch system compared to other EU countries.
Health Insurance Act
The Dutch healthcare system is rooted in the Health Insurance Act. This act ensures proper, high quality healthcare. It provides a certain standard to every person living in the Netherlands that has a healthcare insurance. As a result insurance companies are obliged to offer a certain level of basic medical care in their packages. This package is equal for each insurance company. Moreover, insurance companies are not allowed to reject any person applying for a basic health insurance. Read more about the Health Insurance Act
Additional services of insurance companies
Although Dutch health care insurance companies offer basic coverage, some additional services that they offer might be very convenient for you. If any of these additional services are of interest to you, depends on your personal situation. You might have a chronic disease or you might want to avoid waiting lists. The additional services differ between insurance companies. Check the conditions of your insurance policy to see if the desired additional service is provided. Read more about additional services of insurance companies.