Medical care in the Netherlands is of a high standard but non-interventionist in nature.
- It is mandatory for everyone living in The Netherlands to purchase a basic level of insurance (basisverzekering) and your own health insurance providor (zorgverzekeraar).
- Health insurance (zorgverzekeringen) must come from a Dutch insurer within four months of arrival, or once you have registered with the IND (family members of EU/EEA/Swiss nationals) or obtained your residence permit (non-EU/EEA/Swiss nationals).
- Certain students, employees and work arrangements can be exempt from this requirement, but you should check carefully whether your situation qualifies.
- Children under 18 are included in their parents’ insurance at no additional cost, unless the child begins working.
- A Dutch insurance company cannot refuse to cover you for the basic package, regardless of your age or state of health.
- The standard basic coverage is set by the government, although providers can vary in cost and how they deliver these requirements. If your income is under a fixed minimum level, you can apply for a healthcare allowance (zorgtoeslag) from the tax authorities (belastingdienst).
- You can get free advice from the independent organisation Zorgverzekeringslijn.nl. Visit www.toeslagen.nl (in Dutch) for details and application forms. Find a list of insurers (zorgverzekeraars) at www.zn.nl, or compare insurance policy costs at www.kiesbeter.nl, www.independer.nl, or www.zorgwijzer.nl.
Check out the exhibitors at the Expat Fair about Healthcare.