ACCESS NL > Healthcare in the Netherlands > Dutch medical insurances > Dutch health insurance > If I don’t have a Dutch health insurance policy yet, is there a way to get my medical costs reimbursed?
Dutch health insurance
What is included in the basic Dutch health insurance package?
Are there different health insurance policies? And what is the difference?
Is dental healthcare covered by the insurance?
Can I get additional coverage for my health insurance?
How will my children be insured?
Do I need to take out Dutch health insurance if I am on a short-term stay?
I just took out a Dutch health insurance policy but now the insurance company wants me to pay the premium for a few months retrospectively. Can they do that?
Do I need a Dutch health insurance or can I use an international health insurance?
If I don’t have a Dutch health insurance policy yet, is there a way to get my medical costs reimbursed?
You need to have a Dutch health insurance within four months from the day you have a residence permit and are registered with the gemeente (municipality). Please note that you will pay Dutch health insurance from the day you registered. Meaning, if you registered on 1 January but you take out the Dutch insurance on 1 March, you still have to pay for January and February. You can arrange reimbursement for health care costs incurred during that period.
If obtaining a verblijfsvergunning (residence permit) takes a while, it is possible to take out a voluntary and temporary health insurance. This is a health insurance for those who do not have a verblijfsvergunning yet. An example of such an insurance can be found on the website of insurance company Oom https://www.oominsurance.com/to-the-netherlands/schengen-visitor-insurance/