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/

Do I need to take out a Dutch health insurance if I am studying?

Different rules apply depending on whether you are under the age of 30 or older.

Students under the age of 30

If you are a student under the age of 30 and you are in the Netherlands for study purposes only (and don’t have a part-time job or paid internship), you are not required to take out a Dutch health insurance. Keep in mind that everybody in the Netherlands must be insured for medical care expenses. Therefore, you will have to make alternative arrangements for healthcare insurance. See below some of the arrangements you may have to do in order to be insured:

  • Stay insured for your medical care through a national health system in your home country. If this is the case, make sure this provides adequate coverage during your stay in the Netherlands. If you are from an EU/EEA country or Switzerland, you are probably eligible to receive a European Health Insurance Card (EHIC). This card provides coverage for necessary medical care costs while in the Netherlands. Check with your insurance company if that is an option. You can apply for the EHIC in your home country. More information is available on the European Commission website
  • Take out a private insurance policy. There are private health insurance packages on the market especially for international students

If you have a paid internship and/or a part-time job next to your study, you are required to take out a basisverzekering (basic health insurance) with a Dutch health insurer. Some companies offering special health insurance packages for students who don’t need to take out a Dutch health insurance are :

www.loonzorg.nl , /www.aonstudentinsurance.com/students/en/ and /www.oominsurance.com/to-the-netherlands/oom-studying-in-the-netherlands-insurance/

Criteria for students aged 30 years or older

If you are 30 years of age or older, the following two criteria determine if you need to take out a Dutch healthcare insurance:

  • If you are employed, you will need to take out Dutch public healthcare insurance
  • If your stay is classified as a permanent stay, you will need to take out Dutch healthcare insurance

Your stay is classified as a permanent stay if your social, economic and legal base is in the Netherlands. This is generally considered to be the case if your stay lasts longer than one year.

Stays of less than one year are generally considered to be temporary. However, to assess whether your stay is permanent or temporary, the Social Security Office (Sociale Verzekeringbank – SVB) takes a range of factors into consideration. Circumstances that may lead to your stay in the Netherlands being classified as temporary include regular return visits to your home country (including holidays), having a partner in your home country and maintaining a residence in your home country. In other words, your particular situation will always be taken into account.

If you want to be sure where you stand, you can always submit your case to the SVB.

What is a basic Dutch health insurance?

The basisverzekering (basic health insurance) covers general medical care such as visits to the huisarts (GP), hospital stays, most prescription medicine and various medical appliances. The coverage included in a basic health insurance is determined by the government. However, insurance companies can decide for themselves what to cover in the aanvullende verzekering (additional health insurance).

Some Dutch health insurance providers offer special health packages for students. Few companies are offering special health insurance packages for students who don’t need to take out a Dutch health insurance are:

www.loonzorg.nl , /www.aonstudentinsurance.com/students/en/ and /www.oominsurance.com/to-the-netherlands/oom-studying-in-the-netherlands-insurance/

Can I use my Dutch health insurance abroad?

When you are traveling in the EU/EEA (including Switzerland) and carry Dutch health insurance, you are entitled to the same health care as the locals. However, administration and reimbursement for public health care will be easier if you have the European Health Insurance Card (EHIC). You can apply for the EHIC with your health insurance company and you will need to show it if you go to see a doctor or get hospital treatment abroad. Please bear in mind the following:

  • EHIC is accepted only by doctors or hospitals under the local public health care system or so-called ‘statutory’ health care system. Therefore, private health care is not covered. If you are unsure, check with your insurance company about where you can go
  • Only emergency care abroad is covered.
  • If you are travelling abroad specifically for medical treatment the EHIC does not apply.

Your regular Dutch insurance covers costs abroad up to the Dutch tariff. In other countries tariffs are often higher and you might get financial problems paying the bill. Therefore it is suggested to take out a travel insurane for medical costs.

If you work in the Netherlands but reside in another country, different rules apply. In this case you can ask your Dutch health insurance company for an E106 form. With the 106 form, you are entitled to the statutorily insured medical care in your country of residence without having to pay a premium. However, costs will not always be reimbursed 100%.  For more information, please contact your Dutch health insurance company.

Information for EU citizens

http://europa.eu/youreurope/citizens/health/unplanned-healthcare/going-to-hospital-abroad/index_en.htm

Information for Dutch residents

https://www.government.nl/topics/travelling-outside-the-netherlands/question-and-answer/am-i-covered-by-my-health-insurance-when-i-go-on-holiday-abroad

Does the deductible apply to all types of care?

The eigen risico (deductible) does not apply to all care from the basic health insurance. The following care services  are excluded from the deductible:

  • Visits to your huisarts (GP) or huisartsenpost (GP centre that opens outside office hours). Tests or prescribed medicine are not excluded from the deductible
  • Maternity care and assistance at delivery
  • Loans of medical equipment
  • Certain care for some chronic diseases like diabetes type 2
  • Healthcare for children under the age of 18
  • Follow-up check-ups for organ donation and travel costs for organ donation

Find more information at the government’s website (in Dutch only):

www.rijksoverheid.nl/onderwerpen/zorgverzekering/vraag-en-antwoord/eigen-risico-zorgverzekering

Is there a deductible (eigen risico)?

The eigen risico (deductible) is the amount you have to pay yourself before you receive a reimbursement from your health insurance company. Everyone over 18 years of age is required to pay a deductible on the basic insurance coverage. The deductible is decided by the government and updated annually.

You can voluntarily raise your deductible; then you will receive a discount on the insurance premium. The higher your voluntary deductible, the lower the premium you will be charged. While this may be attractive for relatively healthy individuals, it may become a risk on the long run. For example, if you get ill or get involved in an accident, the insurance company is able to claim the total of the deductible in one payment.

What will happen if I don’t take out Dutch health insurance?

If you don’t take out Dutch health insurance within four months after registering in the Netherlands, you will get a letter from the CAK, the Dutch Healthcare Institute, reminding you to take out health care insurance within three months. If you fail to do so, you will have to pay a penalty. Then you will get another three months to take out a health insurance. If you still haven’t done that after this time, you will have to pay a second penalty and the CAK will arrange a health insurance for you. The verzekeringspremie (insurance premium) will be higher than if you had taken out health insurance yourself. Please note that this premium will be automatically deducted from your income during 12 months.

 

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?

If you take out a Dutch health insurance, you have to pay from the day you registered with the gemeente (municipality). Therefore, you may have to pay insurance premiums to the insurance company retrospectively. Please note that most insurance companies should allow you to pay the amount you owe in instalments.

Which surname can I choose for my child?

For your first child, you can choose either the mother’s surname or the father’s surname. This surname will be given to all subsequent children. This is to ensure that all the children in a family have the same surname. You can choose your first child’s surname before birth or when registering the birth. Both parents must go to the Registrar of Births, Deaths, Marriages and Registered Partnerships to register the choice of surname. This cannot be done by one parent or in writing. It is also possibible to give both the father’s and the mother’s name: e.g. father is called Johnson, mother is called Peterson. Their child can be called Johnson, Peterson, Johnson Peterson or Peterson Johnson. When this child is grown up and gets children, it can choose for maximum two surnames as well.  You can find more information on the website of the government (Dutch only)

Automatic surname
If you do not choose a surname, your child will automatically be given the father’s surname or the mother’s surname. This depends on the family situation:

Parents who are married or registered partners (of different sexes)
Your child will automatically be given the father’s surname. However, you can choose the mother’s surname instead. To do so, both parents must go to the Registrar of Births, Deaths, Marriages and Registered Partnerships to register the choice of the mother’s surname. You can do this before the birth or when registering the birth.

Unmarried parents (of different sexes)
Your child will automatically be given the mother’s surname. If you would prefer your child to be given the father’s surname, he must acknowledge the child. At the time of acknowledgement, you will also be asked for your choice of surname. To acknowledge the child and choose its surname, both parents must go to the Registrar of Births, Deaths, Marriages and Registered Partnerships. You can do this before the birth or when registering the birth.

Parents of the same sex (two men)
If you adopt a child with another man, you can choose either of your surnames. However, this only applies to your first child. Your other children will be given the same surname as your first child. You choose the surname of your child in court when formalising the adoption.

Parents of the same sex (two women)
If two women who are married or registered partners have a child, the following applies:

  • The child was conceived through an anonymous sperm donation: the child is given the surname of the co-mother (the female partner of the biological mother). This only applies if the co-mother automatically becomes the child’s lawful parent when the child is born. The parents can also choose the surname of the biological mother.
  • The child was conceived through a known donor and the co-mother acknowledges the child: the child is given the surname of the biological mother. The parents can also choose the surname of the co-mother by signing a declaration of surname choice.

Do I need to make a will or change it upon the birth of my child?

After the birth of your child, it is suggested that you should consider making a will if you have not already done so. If the unexpected happens and both you and your partner die suddenly, it is in your best interests to stipulate in a legally-recognised document who should become the guardian. If no will exists in these circumstances, the Dutch courts may decide that your baby/child should be put into state care as an orphan. To make a will in the Netherlands, you should make an appointment with a Dutch notaris (notary). Please note that if you have already made a will, you are advised to amend it to reflect the fact that you now have a child (a dependent).

If you have already made a will in your previous country of residence or origin, this document will be recognised by the Dutch authorities as long as it conforms to the legal requirements of the country in which it was written and does not contain any stipulations which would conflict with any public order or public morality legislation in the Netherlands.

Please note that the Dutch court will automatically go through the process of establishing legal guardianship should both parents of the child die suddenly. However, this may take some time if your will was made in another country and thus not registered with a Dutch notary. It is thus suggested that you should make your close relatives (parents or siblings) aware of the existence of your will and where it can be found.

Which documents should I bring to register the birth of my newborn child?

Registering the birth of a child takes places at the gemeente  where your child was born (municipality). Please bring the following documents:

  • Valid passport or identity card (ID card) of the person registering the birth. Or a driving license if the person registering the birth lives in the municipality where the birth is being registered
  • Valid passport or ID card of the mother or a driving license if the mother lives in the municipality where the birth is being registered

The following documents are not compulsory when registering a birth. It may, however, be useful to take them with you:

  • Birth notification from the hospital or midwife showing the child’s birth names and the date and time of birth
  • Where applicable, a copy of the declaration of acknowledgement of parentage if the child was acknowledged before birth
  • Declaration of surname choice if the child’s surname was decided when acknowledging the child before birth.