Basic health insurance
If you are a resident of the Netherlands (as soon as you have registered in the Municipal Personal Records), you are obliged to take out a basic health insurance in the Netherlands. Only in certain cases if you have no income in the Netherlands and you stay for a temporary period (less than 3 years), you may be exempt from this obligation.
If you are not a resident in the Netherlands, but you do earn income in the Netherlands, then this obligation also applies to you. Consult your HR department.
If you do not take out basic health insurance within four months after the start of this obligation, you may risk getting a fine.
The premium for the basic health insurance is partly paid by you and partly by your employer. Your premium is a fixed amount, which is approximately € 110 euro per month. The basic premium is approximately the same at all the insurers.
The premium paid by the employer depends on your salary. You can find the deduction of this premium on your pay slip (under Health Care Insurance Act or Zvw), but this has no effect on the level of your income.
The basic insurance package covers the standard costs, such as a general practitioner, hospital or pharmacy. The government determines the specifications of the basic insurance package. For certain treatments you will need supplementary insurance.
Because basic insurance package is mandatory, insurers must accept all applicants. Medical exclusion based on age, gender or health is not permitted.
Children under the age of 18 are automatically insured for free under the policy of their parents.
A basic health insurance scheme obliges each insured party to pay excess (aka own risk). In 2017 the excess obligation is set at € 385. This means that you receive money from the insurer only if your annual medical expenses exceed this amount. Some insurers allow you to voluntarily select a higher policy excess. Your monthly premiums are then lower.
Not all healthcare services oblige you to pay the excess. The following costs are not included in your mandatory excess:
- General practitioner
- Dental care for children under the age of 18
- Obstetric care and maternity care
- Free population screening, such as breast cancer examinations
- Influenza vaccination for groups at risk
- Care that is reimbursed by your supplementary insurance scheme
Each year, the government sets the level of the mandatory excess.
Even if you do not have any medical expenses in the course of the year, you will not get a refund on your premium.
You have the option to take out supplementary insurance for the medical expenses that do not fall under the basic insurance package, for example, increased reimbursement for physical therapy. Supplementary insurance may differ from insurer to insurer. An insurer may reject an application for supplementary insurance based on medical history, for example.
A very common supplementary insurance is dental insurance
The BSN (Citizen Service Number) is required for concluding an insurance policy. Since in some cases the BSN is not assigned immediately and – since during certain periods of the year issuing of the BSN takes extra time – you can register provisionally at your insurer (to prevent getting a fine). As soon as the BSN is assigned, your insurance policy will be finalised, you pay your premium retroactively, and you can also declare your medical expenses retroactively over that period.
Should you run up high unforeseen medical expenses during the transition period, inform your HR department for financial assistance.
Collective agreement with Zilveren Kruis
The EUR has negotiated an extensive health insurance package for its employees. These negotiations have resulted in a policy with attractive premiums, a wide range of options and good supplementary terms with the health insurance company Zilveren Kruis Achmea.
If you are obliged to take out Dutch public healthcare insurance ('zorgverzekering') but have an income that does not exceed a certain maximum amount, you may be eligible for a contribution towards the costs of your insurance. Additional information you can find here: apply for a healthcare allowance.
Home address abroad
Do you reside abroad, but are obliged to take out the Dutch basic health insurance package (for example because your only income is earned in the Netherlands)? By filling in an A1-verklaring/Certificate of Coverage Form in your country of residence, you can show that you are insured in the Netherlands.
You can request this form from your Dutch healthcare insurer.
Non-basic health insurance obligation
If you are not obliged to take out a basic health insurance (get advice from your HR department), you can conclude a cheaper health insurance via AON. It may appear to be an insurance policy customised for students, but researchers may also conclude this insurance policy.
AON even offers you the option of simply converting your health insurance into a basic health insurance package (if at a later stage of your stay in the Netherlands this obligation emerges).