Moving to another country means that you need to get familiar with many practical things that seem so self-evident in your home country. One of these things is the way a country provides healthcare for its residents.
Standard insurance package (basisverzekering)
It is compulsory for everyone living in the Netherlands to take out a standard insurance package (basisverzekering) by a Dutch health insurance provider, except for expat workers of certain international organisations and embassies.
Health insurance companies have an obligation to accept everyone for the standard package, irrespective of gender, age and health. The coverage of this standard package (basisverzekering) is determined by the Government and is subject to annual review. However, insurance companies can decide themselves how the coverage will work.. For example, some providers will only allow you to see local doctors, while others may offer the possibility to travel abroad for healthcare if the service is not available in the Netherlands.
The standard package (basisverzekering) generally covers the following (but not always 100% of all costs):
- hospital care
- medical care by specialists, GPs and midwives
- dental care for persons younger than 18
- therapists, such as speech therapists and dieticians
- mental health care
- maternity care
- necessary medical help during a holiday or business trip abroad, worldwide. Please check with your health insurance provider which costs are covered, as it depends on the country you are visiting.
Supplementary health insurance
It is possible to take out supplementary health insurance but unlike the basic insurance policy, the insurance companies are not obliged to accept you for this. The supplementary package may cover physiotherapy, glasses and contact lenses, dental help for persons of 18 years and older and alternative medicine such as homeopathy and acupuncture. The coverage and premium differs per insurance company.
In the ACCESS guide "Healthcare in the Netherlands", you will find more information about the Dutch healthcare system; the Dutch national medical insurance, the family doctor (or huisarts), hospitals, dental care, mental health, pharmacies, maternity etc.
It is very important to have a right balance of mental and physical health to lead a happy life. If you are looking for some Health Advise, know more from the professionals:-
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