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Dutch health insurance
What is included in the basic Dutch health insurance package?
Are there different health insurance policies? And what is the difference?
Some Dutch health insurance companies are restricting free choice of health care providers (doctors, physiotherapists, pharmacies, psychologists, hospitals and clinics). The implication is that when you go to a non-preferred provider, the insurance company will usually not reimburse the full cost. The reimbursement varies from 100% to 40%, depending on the company and particularly the health insurance polisvoorwaarden (policy).
You can choose between two types of health care policies:
- The natura polis (in-kind policy) will only allow you to go to providers that the company has contracted and they will pay your medical bills directly. If you decide to go to non-contracted providers, they will reimburse you for a much lower percentage and/or amount or you will not be reimbursed at all
- The restitutie polis (restitution policy) is more expensive because it honours the freedom of choice of provider. Therefore, you choose your own healthcare provider and pay the bill yourself. Later you will submit it to your insurance company for reimbursement. It will usually cover between 80% and 100% of what the health insurance companies consider a fair price. There is not any regulatory system that checks the health insurance companies on how they determine what the current rate is. These vary widely among the various insurance companies.
It is usual for all GPs to be contracted under the healthcare system (meaning that you can go to any huisarts (GP) and it will be covered by your insurance). That is not the case for all specialist care and paramedical services. The restitutie polis is more expensive than the natura polis, but it can be worth exploring further.