Good to know

Depending on your personal situation, you are legally obliged to conclude a Public Healthcare Insurance (‘Basisverzekering'). HollandZorg determines whether this applies to you, too, based on your personal situation. To do so, we look at the (assumed) length of your stay in the Netherlands, for example, and whether you are working in the Netherlands.

If you have taken out HollandZorg Public Healthcare Insurance, the costs of your care - such as visits to the GP and medicines - are reimbursed. Sometimes, though, not all of the costs are fully reimbursed, as they fall under the compulsory excess of € 220 per year (€170 in 2011), which is obligatory in the Netherlands.

In addition to the compulsory excess, you can opt for a voluntary excess. This is in multiples of € 100, up to a maximum of € 500. The higher the level of your voluntary excess, the lower the premium you pay for your Public Healthcare Insurance.

If you make use of care, then the costs first count towards the compulsory excess and then towards any voluntary excess. For a number of types of care, including the GP and the reimbursements from your supplementary insurance, the excess does not apply. You therefore don't have to pay these costs yourself.

For some types of care, you have to pay a statutory personal contribution. For maternity care, medicines and physiotherapy, for example. HollandZorg reimburses (part of) this personal contribution from the supplementary HollandZorg Long Stay Insurance. Consult the conditions so you know where you stand.

HollandZorg considers it important for you to be cared for by good care providers and not to be surprised by bills that are higher than the amount you are reimbursed. For some care types, we therefore recommend that you contact our Customer Services on +31 (0)570 687 123 before making an appointment. You can see those cases in which it is wise to call in the reimbursement overview.

When your income falls below a certain level, part of the premium for your healthcare insurance can be refunded. This is referred to as the care supplement (‘zorgtoeslag'). How much supplement you receive depends on the level of your income.

You can apply for the care supplement yourself from the Dutch Tax Authorities' Supplements Department. For more information, call the Tax Phone Line for Foreign Countries: +31 (0)55 5 385 385.

Do you come from an EU, EER or Treaty country? Then you can also have the costs of medical care in your home country reimbursed as well as in the Netherlands. You will need to submit an E106 form to your health insurer in your home country. You can obtain the E106 form from HollandZorg. The E106 will also enable your partner or children who have stayed behind to obtain care if they have no income.