How to arrange a Dutch Health Insurance? Let us start by saying that every Dutch basisverzekering does the job. You don’t need to wonder whether the offered benefits are sufficient, because the level of coverage is determined by the National Government.
What is a Basic Health Insurance (basisverzekering)?
The basisverzekering is a health insurance that is compulsory for most Dutch citizens. The aim of the Dutch Health Insurance is to offer cover for necessary care, aimed at curing the patient. It ensures that the majority of Dutch citizens are covered for all basic medical costs. This system has been in force since 1 January 2006 and the Dutch government determines what falls under the basic cover and also sets a compulsory excess. The Basic Health Insurance is part of the National Social Security Scheme and participating in this is not a choice. Whehter you are obliged to have it, or you are not entitled to.
An au pair should have the Basic Health Insurance (basisverzekering)
What is a deductible or excess?
Deductible, also known as excess or "own risk", means that you don’t get a refund from the insurance company as long as the costs you make are lower than the deductible. An example to clarify: let’s say that there is a deductible of 200 euros per year. In January and March you need to see a doctor and the expenses are 50 euros for each treatment. You have 100 euros of expenses in total. Because this is lower than your deductible, the insurance company will extract the 100 euros of your deductible and won’t give you a refund. In August you need a surgery, which costs 400 euros. After extraction from your deductible, the insurance company will give you a refund of 300 euros.
So in other words, until you have reached the amount of your deductible, the insurance company will not provide a refund.
Contracted care providers
There are a lot of insurance companies that offer the Basic Health Insurance (basisverzekering). In general there are two options:
- So called restitutie polis. In short this means that you can choose the health care provider that you would like to use. The premium for this kind of insurance is higher since you pay for the ability to choose.
- So called natura polis. In this case you don't have a complete free choice but you pay less premium. The reason is simple, the insurance company sets deals with several health care proviceders (like hospitals, GP's, therapists) and makes agreements about the prices. This way they ensure less costs for the insurance company. It is therefor that you need to use these care providers, so you benefit from the agreed prices. If you don't use a contracted care provider, then the insurer is not obliged to give you a full refund. Obviously this rule is not applicable when it comes to emergency treatment, for example when the ambulance takes you to the nearest hospital.
I don't have a Basic Health Insurance yet. Which should I choose?
Please read more about the insurance that we recommend, the Basic Health insurance.