Health Insurance in Netherlands, Europe

Information expatriation

Capital City: Amsterdam
Total area: 41,528 km2
Population: 16,426,371 (2008)
Money: Currency Converter
Time Zone:  List of time zones by country
Calling Code: +31 XXX

Practical Information:

Wikipedia Netherlands

Health Product: Travel Insurance and Health insurance
Health Insurance information and Sanitary Risk: World Health Map
BLOG: Expat Health insurance Information

Here is a brief description of the healthcare system in the country:

·      The Netherlands has a universal multipayer healthcare system funded through mandatory health insurance.

·      Around 90% of Dutch citizens get coverage through private insurers that contract providers to offer standard essential benefits.

·      Insurers cannot refuse customers or charge more based on health status. Premiums are income-based with subsidies for low-income residents.

·      Coverage includes primary care, hospitalization, medications, vaccinations, and more through a mix of private practices and public hospitals.

·      Out-of-pocket costs are limited under the insurance system, such as small co-pays per visit or prescription.

·      Community health centers deliver routine preventive care while hospitals focus on specialization and complex cases.

·      Care is generally of high quality due to universal access and a competitive insurance market.

·      Both public and private options exist nationwide, though some specialized facilities are centralized.

·      The Netherlands provides near-universal access to affordable, high-standard healthcare through mandatory universal insurance and private-public delivery models.

Here are some key health considerations for expatriates living in the country:

·      Expats are required to purchase basic health insurance within 3 months of arrival. Premiums are typically 120-150 euros per month.

·      Policies must cover general practitioner visits, medications, hospitalization and more essential benefits.

·      Some insured expats may still face Small co-pays of 10-30 euros per visit or prescription.

·      Universal policies are available from competing private insurers online in English.

·      Large international hospitals operate in major cities like Amsterdam and Rotterdam.

·      Mental healthcare access is good nationwide through common insurance plans.

·      Ambulance transport and emergency services will treat expat patients.

·      Familiarity with Dutch or English allows care access, while most doctors speak some English.

·      Healthcare quality and availability is excellent nationwide due to universal standardized access.

·      With mandatory basic insurance secured promptly upon arrival, expats have reliable access to the Netherlands' premier public and private healthcare options. Planning is straightforward.