Flexpolis: what's covered
Public healthcare insurance
Your public healthcare insurance provides cover for the most necessary care, such as hospital admissions, emergency care and general practitioner (GP) consultations. HollandZorg public healthcare insurance is a combination policy. This means that most of the care you will use is provided for, rather than reimbursed. You can read more about how combination policies work here.
At the bottom of this page, you will find a short overview of common healthcare treatments, showing what is covered under the public healthcare insurance. Please consult our terms and conditions for a complete overview of reimbursements.
Treatments covered under the standard health insurance:
For more information, please consult our reimbursements page or our terms and conditions.
||Covered?||Statutory personal contribution?|
|General practitioner care||yes||no|
|General hospital care||yes||no|
Note: more information here
|Urgent care during a temporary stay outside NL. Medical repatriation. Always contact our emergency centre||yes||-|
|Physiotherapy and remedial therapy
Government approved medical disorders for under 18's
|Other disorders for patients under 18||a maximum of 9/18 treatments||no|
|Government approved medical disorders for over 18's||from the 21st treatment||no|
|Contraceptives||yes, until the age of 21||-|
|Dental care in special circumstances
(No Risk II covers emergency dental care in the Netherlands up to €200/year)
|Labour and birth|
|Hospital birth with medical indication||yes||no|
|Hospital birth without medical indication||yes||yes|
|Hospital maternity care with medical indication
|Maternity care at home or in hospital/birth centre
|Obstetric care before and after childbirth||yes||no|
Supplementary insurance plans
No Risk I from 2023
|€ 385,-||You do not have to pay any excess.|
No Risk II from 2023
|Emergency dental care in
NL maximum of € 200,- per calender year
|You will be reimbursed for urgent care that cannot be postponed due to severe pain or chewing problems. Check the list of treatments for urgent oral care (in Dutch).|
|Reimbursement of statutory personal contribution for medication of € 250,-||You do not pay a statutory personal contribution for drugs.|
You are entitled to transport and the organisation of such transport:
There has to be a medical reason for the transport. Transport of family members and other travel companions is not covered.
|Repatriation (transport home) within Europe in the event of death
||You are entitled to transport of your mortal remains from your place of death in NL or the country you are temporarily staying in to your country of origin. You are also entitled to reimbursement for the costs for organising such transport.
Please consult the terms and conditions for a complete overview of reimbursements.
Under Dutch public healthcare insurance, you are obliged to pay a personal contribution for some medical expenses. Like maternity care and hearing aids, for example. The government decides to which care the personal contribution applies and how high the contribution is. You can find out whether a personal contribution is needed by checking the individual reimbursement page for your specific type of treatment.
If you are covered under our No Risk II supplementary insurance, you will not have to pay any personal contribution for the use of medicine.
Contracted general practitioner or doctor consultations
HollandZorg has negotiated contracts with care providers throughout the country. We have agreed standards of care and its costs. If you visit a non-contracted physician or care provider, you may have to pay for (part of) the treatment yourself. Want to know which medical professionals we have contracted? Use our care finder.