1. Am I obliged to take out the Dutch public health insurance, called ‘Basisverzekering’?
For every person that resides or works in The Netherlands it is usually compulsory to take out the ‘Basisverzekering’. Sometimes exceptions are made.
2. I have a travel insurance and/or a health insurance package in my home town. Do I still need to conclude the ‘Basisverzekering’?
Yes you do. When people move to Holland, with a stay expected to be more than 4 months, and they have a travel insurance or a health insurance policy from a provider in their home country, they still have to conclude the Dutch public health insurance (‘Basisverzekering’).
3. Where can I conclude this mandatory Dutch public health insurance, called ‘Basisverzekering’?
Every health insurance company in The Netherlands offers the ‘Basisverzekering’ next to their own products.
4. Does the monthly premium and/or the coverage of the ‘Basisverzekering’ differ per health insurance company?
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 premium may vary!
5. When will the monthly premiums be taken from my account?
In The Netherlands the health Insurance premiums are being taken upfront (for the month to come). You can expect the premium to be withdrawn from your account around the last working day of the month.
6. Why is it that the premium of the ‘Basisverzekering’ varies while it is exactly the same product that the health insurance companies offer?
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. This way they can lower the monthly premium.
7. What is Excess/deductibles or ‘Eigen Risico’?
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 mandatory 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 the No-Risk policy LoonZorg offers). You can also opt to add a voluntary excess to your mandatory 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 concider a voluntary excess!
8). Why is the ‘Basisverzekering’ via LoonZorg free from compulsory excess/’Eigen Risico’?
The No-Risk policy package consists of the ‘Basisverzekering’ together with a small additional insurance. This small additional insurance covers the compulsory excess/’Verplicht Eigen Risico’ of the ‘Basisverzekering’. Besides the coverage of the ‘Verplicht Eigen Risico’ it also covers an extra emergency dental care (200,- euro p/y) and repatriation within geographical Europe.
9). What is the monthly premium I can expect to pay when taking out the ‘No-Risk’ package and how much money can I expect to save per year?
The 2018 monthly premium for taking out the ‘No Risk’ package is 95,40 euro (premium 2019: 102,30 euro). The average premium of the ‘Basisverzekering’ in 2018 is 118,- euro per month. So together with not having to pay for the ‘Verplicht Eigen Risico’ this ‘No-Risk policy package can save you more than 500,- euro easily.
10). What are the conditions to apply for the ‘No-Risk’ policy package?
There are 2 conditions to conclude the ‘No-Risk’ policy package:
1. You need to have a non-Dutch passport
2. You or your (via LoonZorg insured-)partner must be employed in The Netherlands (social securitie do have to be paid in The Netherlands).
11). What is the coverage of the ‘Basisverzekering’?
Click next link to find an English version of thee coverage of the ‘Basisverzekering’
12). What happens when I do not sign up for the Dutch health insurance?
The Healthcare Institute tracks down people that are uninsured. People that are not uninsured can expect to receive fines. 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. If those people do not have a regular income, they will receive a giro collection form every month.
13). Can I change my healthcare insurer?
You can change health insurers at the end of each year.* Important is to cancel your old insurance before 1 January and take out new insurance before 1 February. You will then be insured with retroactive effect from 1 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.
14). When I conclude the No-Risk policy, do I have to pay the bills directly to the care providers before getting reimbursements?
No, you don’t! The No-Risk policy is a ‘natura’-policy. This means that the care providers will send the bills directly to the health insurance company.
15). Are all health care providers in The Netherlands connected to, contracted by, HollandZorg and CZ?
Most of the healthcare insurers contract almost all the care providers in The Netherlands. But because of disagreements in prices or quality it can occur that a care provider is not contracted. If you want to be sure if the care provider is connected to, or contracted by, HollandZorg or CZ just contact the helpdesk.
HollandZorg Customer contact center: +31 (0)570 687 123
Monday to Friday: 08.00 am to 07.00 pm
Free of charge
CZ Customer contact center: 0900 0949
Monday to Friday: 8:00 – 21:00 uur
Zaterdag: 10:00 – 14:00 uur.
16). Do my children have to be insured as well?
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.
17). Do I need a referral to go to a specialist or to the Accident and Emergency department (first aid) of a hospital?
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 of wanting to visit a specialist you will have to need a referral from your GP before you make an appointment.
18). Can I get health care allowance?
People with a ‘low’ income can get health care allowance. Via next link you can find out if the health care benefit applies for you
023-20 52 129