The Insurance Package

The health care covered by the basic package includes care by general practitioners and specialists, hospital care, medicines, dental care up to the age of 18, specialist dental care, and natal care. Your health insurance provider can provide you with more information about reimbursement of the costs and about the health care providers from whom you can receive medical care.


Two kinds of policies:

  • Naturapolis (standard policy): The insurer selects the health care provider and pays the bills directly to the health care provider.
  • Restitutiepolis (refund policy): The bill must be paid by the customer first and claimed back from the insurer. However, the patient may choose (within limits) the health care provider him/herself.


The type of policy will affect the premium; the refund type is more expensive.


Premium for health insurance

You pay a monthly premium to your health insurance provider for your health insurance. You also pay monthly for any family members who are registered and are older than 18 years of age.


Health care allowance

Individual incomes can vary. In order to ensure that the health insurance premium is affordable for everyone, there is a health care allowance. This covers some of the cost of the premium. Eligibility for the health care allowance depends on income. If you earn less than a specific amount, you will be entitled to the healthcare allowance. The lower your income, the higher your healthcare allowance will be.


The health care allowance covers part of the premium. To apply for the health care allowance, you should contact the allowances department of the Tax Administration. If you live alone and earn less than €27.012 in 2016, or if you are married or cohabiting, and you and your partner jointly earn less than €33.765, you are entitled to a health care allowance.


For insured persons aged 18 and over, there is a compulsory excess of €385 in 2016 per year for the basic health insurance package. This means that you will have to pay the first €385 towards your health care costs yourself. This excess applies per person. The compulsory excess does not apply for general practitioner care, natal care, maternity care and the dental care youth package for young people up to the age of 18. The excess does not apply for children up to the age of 18.

Policyholders can also opt to pay a voluntary (higher) excess. Options for this voluntary excess vary, depending on the health care insurance provider. You are not obliged to opt for a voluntary excess. However, the advantage is that opting for a voluntary excess means a lower premium. The disadvantage is that you will have to pay part of the costs yourself.


What happens if you take out insurance too late?
If you take out health care insurance too late, you will not be insured and you will have to pay all medical costs yourself. Retrospectively you will have to pay the premium over the past period and may get a penalty as well. This also applies to family members living in a treaty country who register too late.


What happens if you resign or are dismissed from your job?

If you do not live in the Netherlands and resign or you are dismissed from your job, you are no longer covered by Dutch social security legislation. You must then cancel your healthcare insurance.


Additional insurance

Would you prefer to have more extensive insurance coverage? In that case, you can opt for additional health care insurance (for example, dental care, manual therapy, psychology, glasses). It is not compulsory to take out additional health care insurance.





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