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Health Insurance in Holland - Procedures from 1 January 2006

Discussion forum for expats moving to or living in The Netherlands.

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Health Insurance in Holland - Procedures from 1 January 2006

Post Posted: Fri Sep 16, 2005 12:16 am

I have received the following from Helen Dickson at ACCESS in Amsterdam. Expats who will be in the Netherlands in 2006 and beyond may find it useful.

Procedures from 1 January 2006

The healthcare system in Holland is going to change on 1 January 2006. In the information below you will find an overview of all the changes and things you need to know.

a. If you are insured you will receive a new offer from your insurance company before 16 December 2005. This offer will be like your current insurance package.

b. If you do not respond you will automatically be insured till 6 March 2006. Your insurance company will automatically sign you up for a new package.

c.. You are free to cancel your insurance/choose new one until 1 March 2006. You need to have a new insurance policy before 1 May 2006. Please be aware that you will be paying from 1 January 2006 onwards.

You are free to stay with your current insurance company. If you want to change companies they will have to accept you. You can not be refused for the basic package. The insurance company cannot charge you a higher rate if you have a higher income.

The new insurance can be compared to the current "ziekenfonds".

Insurance fee

Everyone from the age of 18 will be paying a nominal fee to the insurance company. No fee has to be paid for children under the age of 18. Every insurance company will offer different fees and packages. It is not possible yet to compare packages as the insurance companies are still working on the details. It is predicted that the yearly fee will be around Euro 1,100 per year.

Everyone who has an income has to pay a contribution fee. This will be 6.25% of your income. This will be paid automatically by your employer directly from your salary. People who run their own business will receive a bill from the tax authorities. (belastingdienst)

No claim

The fee of 1,100 Euros includes a no-claim amount of 255 Euros. If you do not claim any medical costs during the year you will get a rebate from your insurance company. If you claim less than 255 euros the difference will be paid back to you.

Basic package covers

a. Medical care: doctor, hospital, medical specialists.

b. Hospital stay

c. Dental care

d. Prescribed medicines

e. Baby care

f. Ambulance


You are free to choose your insurance company. Your level of income will not be taken into account. You are free to change your insurance company once a year. Due to the differences in quality and service this could be a useful option.

Additional insurance

It is possible to insure yourself for health care that is not included in the basic package after 1 January 2006. There is one insurance company that offers information in English. For more information see

Own risk

Insurance companies may offer you a package with or without an own risk excess. You are free to choose whether you want your health care package with or without own risk. There are different own risk amounts: 100, 200, 300, 400, 500 euros. If you decide to include an own risk excess in your package you will have to pay the first 100-500 euros (depending on your own risk amount) of medical costs yourself. Your insurance company will charge you with a lower insurance fee if you include an own risk excess in your package.


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Re: Health Insurance in Holland - Procedures from 1 January

Post Posted: Wed Sep 21, 2005 9:03 pm

Thanks for passing that on Rod. I've been translating all the documents I've had so far and still not understood it all! What you've posted will certainly help.


Re: Health Insurance in Holland - Procedures from 1 January 2006

Post Posted: Wed Sep 21, 2005 9:19 pm

Glad to have been of help.




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