The Dutch healthcare system can be complicated. In this blog post we'll inform you about the regulations and basics of the Dutch healthcare system.
Information about where to go to
In the Netherlands people with medical issues, will in most cases first go to the GP (general practioner) also called "huisarts" in Dutch. If you experience difficulties with your teeth, or if you are in need of a check-up, a dentist can be visited. Hospitals are rarely visited, in most cases only when an emergency rises or when a referral from a general practitioner or dentist is in place. Read further below to learn more about the different healthcare providers and where to find them in your area.
Finding a GP (huisarts)
General practitioners are your go-to place when you feel ill or want medical advice. In most neighborhoods, clinics can be found. Often it is possible to make an appointment, however, if it is urgent, most clinics have walk-in consultation hours each morning. Also, visits to GP's are covered with a basic Dutch healthcare insurance. Be sure to register at a GP in your neighborhood, otherwise you will pay visitation fees.
Click here to find a general practitioner nearby.
Finding a dentist (tandarts)
Got problems with your teeth? Go to the dentist. Dentists are capable to fix most problems relating to your teeth, however, in rare cases, you will be referred to an oral surgeon in the hospital. Costs for the dentist are not covered by a basic Dutch healthcare insurance, so insure yourself with an additional dentist package or be ready to pay yourself. Children younger than 18 years old are fully covered by the basic Dutch healthcare insurance.
Click here to find a dentist near you.
Finding a hospital (ziekenhuis)
A hospital is a place not often visited by Dutchies if they feel ill. Usually, people visit the hospital only in case of a life-threatening emergency or in case another doctor/dentist/GP referred a patient to the hospital for further examination by a medical doctor. However, the Netherlands has many hospitals to choose from, at least one in each city.
Click here to find the nearest hospital.
Information about insurances and subsidies
In the Netherlands a healthcare insurance is obligated. It differs per situation whether a Dutch insurance is required or an international one suffices. Luckily, the government provides an allowance/subsidy based on income to cover healthcare costs (zorgtoeslag).
EU Health Card
For some EU internationals coming to the Netherlands an EU health card is sufficient to be covered. You can apply for an EU health card with your national insurance provider.
Do note: if you will start working in the Netherlands, a Dutch basic healthcare insurance is obligated and an EU health card will not suffice.
Dutch healthcare insurance
Dutch citizens and internationals are required to be insured for medical costs. In some cases, internationals are obligated to take out a Dutch healthcare insurance, for example when having a non-tourist residence permit or start working as a student. See this flowchart by Euraxess and Nuffic to find out if you need a Dutch healthcare insurance.
A Dutch healthcare insurance costs between €105 and €140 dependent on individual needs and coverages.
Own risk (eigen risico)
All insurances work with an "own risk" policy where the insuree needs to pay a certain annual amount of money first before the insurer covers the remaining costs that year. Also, check which healthcare providers and hospitals are included by your insurer.
Want help with your application for a Dutch healthcare insurance? Click here!
Healthcare subsidy (zorgtoeslag)
For an EU citizen living in the Netherlands paying for a Dutch basic healthcare insurance, it is possible to apply for a healthcare allowance called "zorgtoeslag".
· 18+ years old;
· Dutch healthcare insurance;
· An income below the (shared) earnings threshold;
· A Dutch nationality or valid residence permit;
· A capital below the (shared) threshold.
Do you need help with your health care insurance application? Take a look at our individual services!