January 21, 2022

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Who can access healthcare in the Netherlands?

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As long as they have health insurance, all citizens and visitors to the Netherlands can use the healthcare system. For all Dutch inhabitants, basic public health insurance (zorgverzekeringswet – Zvw) is a legal obligation. The following people are exempt from having to take out Zvw:

• children under the age of 18 who are covered by their parent/insurance guardian’s policy;

 • temporary visitors from the EU/EEA/Switzerland who can receive healthcare coverage through their European Health Insurance Card (EHIC);

• temporary visitors from outside the EU/EEA/Switzerland who must purchase private health insurance;

 • those with conscientious objections to health insurance who may be eligible for a Social Insurance Bank exemption (SVB). If your salary is below a specific threshold, you can apply for a healthcare allowance from the Dutch tax office. Individuals’ thresholds were set at €29,562 in 2019 while couples’ thresholds were set at €37,885.

Healthcare costs in the Netherlands

The Netherlands has a significant healthcare expense. The Dutch spent 10.3% of GDP on healthcare in 2016, which was the eighth highest among EU/EFTA nations. They’re also one of just ten EU/EFTA countries that spends more than €4,000 per person on health.

The Netherlands has a significant healthcare expense. The Dutch spent 10.3% of GDP on healthcare in 2016, which was the eighth highest among EU/EFTA nations. They’re also one of just ten EU/EFTA countries that spends more than €4,000 per person on health

Insurance policies also contain a ‘excess,’ which is the amount you must pay for treatment each year before you can make a claim on your policy. The current rate is €385 per year. You don’t have to pay anything more for GP services, obstetric care, or post-natal care; they’re all free.

Your Dutch health insurance policy enables you to free medical treatment, including normal prescriptions, in the Netherlands. Some treatments, such as dental care and physiotherapy, are not covered by public health insurance. You will, however, require a private insurance policy.

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