For every person that pays income tax/social security fees to The Netherlands it is usually compulsory to take out the ‘Basisverzekering’. Sometimes exceptions are made.
Yes you do, if you pay income tax/social security fees to The Netherlands. Travel Insurance policies or international policies are not being accepted as a substitute for the Dutch public health insurance (‘Basisverzekering’).
Every health insurance company in The Netherlands offers the ‘Basisverzekering’ next to their own supplementary packages.
The content/coverage of the ‘Basisverzekering’ is determined by the Dutch Government every year. However, despite of the fact that all health insurance companies offer exactly the same product, the premiums may vary!
In The Netherlands the health Insurance premiums are being taken upfront (for the month to come). You can expect the premium to be deducted from your account around the last working day of the month.
The main reason that the premium varies is that the health insurance companies try to attract people by promoting the ‘Basisverzekering’ with a high voluntary excess or they offer just a limited amount of contracted care providers. This way they can lower the monthly premium.
Excess/deductibles called ‘Eigen Risico’ is the amount you have to pay yourself before you receive a reimbursement from your insurance company. The ‘Basisverzekering’ includes a compulsory excess for everyone aged 18 or older. In principle, you will pay the first €385,- euro of care costs out of your own pocket (except for when choosing for the No Risk I supplement on top of the HollandZorg public health insurance). You can also opt to add a voluntary excess to your compulsory excess in order to reduce the premium for your standard package. The higher your voluntary excess, the lower the premium you will be charged. Please be aware of the risks when you consider a voluntary excess!
The HollandZorg public health insurance (‘Basisverzekering’) itself is not free from compulsory excess/ ‘Eigen Risico’. However the compulsory excess/ ‘Eigen Risico’ can be covered via a supplement if people take out a policy through LoonZorg.
On top of the HollandZorg public health insurance LoonZorg offers the ‘No Risk’ additional packages. In order to avoid unexpected- and administrative care expenses afterwards, the No Risk I supplement has been added to cover compulsory excess/’Verplicht Eigen Risico’ of the ‘Basisverzekering’. Besides the coverage of the ‘Verplicht Eigen Risico’ the supplements also offer a coverage for extra dental care, repatriation within geographical Europe, extra expenses for medicines and physiotherapy. More information you will find in the policy conditions.
Including the No Risk I and No Risk II package, the 2022 HollandZorg public health insurance has a monthly premium of 126,60 euro. The average premium of the ‘Basisverzekering’ in 2022 is 134,- euro per month. So together with not having to pay for the excess ‘Verplicht Eigen Risico’ this ‘No-Risk policy package can save you more than 500,- euro easily.
In order to join this HollandZorg-LoonZorg collective agreement you will have to meet the following requirements:
You’re a non-Dutch resident, which means you do not hold a Dutch passport;
People have to be employed in the Netherlands (contribute towards Dutch Social security);
People will have to meet the requirements in order to join the Loonzorg collective agreement
The Healthcare Institute tracks down people that are uninsured. People that are uninsured can expect to receive a fine of approximately 400,- euro. Also the Healthcare Institute has the right to take out insurance for people that are not insured. The standard premium will be withheld from their salary, benefits or other income for 12 months.
You can change health insurers at the end of each year.* Important is to cancel your old insurance before the 1st of January and to take out new insurance before the 1st of February. You will then be insured retroactively as from the 1st of January.
* Switching during the year is possible when you switch from one (employer’s-) collective health care plan to another.
LoonZorg offers a transfer service. We will cancel your old insurance for you if you take out a new policy via LoonZorg before the 29th of December.
The HollandZorg public health insurance policy is an in kind (‘natura’)-policy. This means that usually the care providers are able to send the bills directly to the health insurance company. In case of visiting a non-contracted care provider, a dentist, or a GP that you are not registered at, you may have to pay upfront. In that case you can upload the invoice to HollandZorg via the portal or the claim app.
HollandZorg has contracts with all public hospitals in The Netherlands. As well you can visit any GP of your own choice (near your home address). Should you decide to visit a care provider outside of the hospital please be advised to check the organization with us or HollandZorg upfront.
Yes, they do! Children under the age of 18 do have to be insured but do not pay a premium. LoonZorg can help you out to register your children.
In case of emergencies people are advised to first visit their house doctor (GP), if possible. The GP can take care of a lot of your problems him-/herself.
In case you need to visit a specialist you will have to have a referral from your GP before you make an appointment.