You have taken out HollandZorg Flexpolis through your employer. What care is covered under the public healthcare insurance and by the No Risk I, No Risk II, and No Risk III supplementary insurances? What part is payable by you when you need care? We’ll explain.
Necessary care under the public healthcare insurance
Your public healthcare insurance provides cover for the most necessary care, such as hospital admissions, emergency care and the general practitioner (GP). HollandZorg public healthcare insurance is a combination policy, the care you use is usually reimbursed non-monetary. Read more about the combination policy.
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.
Supplementary insurances cover excess and more
No Risk I
|€ 385,-||You do not pay any excess.|
No Risk II
|Emergency dental care in the Netherlands maximum of € 200,- per calender year||You will be reimbursed for care that cannot be postponed. This is care needed to relieve severe pain and if you cannot chew properly. Check the list of treatments for urgent oral care.|
|Reimbursement of statutory personal contribution for medicines of € 250,-||You do not pay a statutory personal contribution for medicines.|
You are entitled to transport and the organisation of such transport:
There has to be a medical necessity for the transport. Transport of family members and other travel companions does not fall under this
|Repatriation (transport home) within Europe in the event of death
||You are entitled to transport of your mortal remains from the place of death in the Netherlands or the country you are temporarily staying in to your country of origin. You are also entitled to reimbursement for the costs of organising such transport.
No Risk III
|Physiotherapy and remedial therapy: 6 sessions per calendar year.
||You will be entitled to full reimbursement of treatments by a care provider that has been contracted by us. A maximum reimbursement per treatment applies to treatments by a non-contracted care provider.
|Dental care: all dental care will be reimbursed up to a maximum of € 250.00 per calendar year
||You will be reimbursed for dentist and dental hygienist check-ups and other treatments. The cost of dental care will be covered by No Risk III first. Once the maximum reimbursement amount has been reached, costs will be reimbursed from the cover that No Risk II provides for emergency dental care in the Netherlands. You will still be expected to pay costs that no longer fall under the cover provided by No Risk III and, subsequently, not under II either.
Please consult the terms and conditions (PDF) for a complete overview of reimbursements
You pay a personal contribution in some cases
Under the public healthcare insurance, you will pay a personal contribution for some medical expenses. In the event of maternity care and hearing aids, for example. The government determines to which care the personal contribution applies and how high that contribution is. Check each healthcare treatment to find out whether a personal contribution applies. Under your No Risk II supplementary insurance, you do not pay a personal contribution for the use of medicines.
Visits to a contracted general practitioner or doctor
HollandZorg has concluded contracts with care providers throughout the country. This means that we have made agreements about the quality of care and the associated costs. If you use a physician or care provider with whom we do not have a contract, you may have to pay part of the cost yourself. Therefore, use the care finder to inquire in advance which GP or doctor near you we have contracted.
Short overview of healthcare treatments reimbursed under the public healthcare insurance:
For a complete overview, please consult the reimbursements page, showing what will be reimbursed per healthcare treatment.
||Public healthcare insurance||Statutory personal contribution|
|General practitioner care||yes||no|
|Hospital care general||yes||no|
|Outside the Netherlands
Note: visit the website or call for more information.
|Urgent care during a temporary stay outside the Netherlands, medically required repatriation.
Always use the emergency centre.
|urgent care and medically required repatriation: limited||-|
|Physiotherapy and remedial therapy
|Disorders determined by the government until the age 18||yes||no|
|Other disorders < 18 years of age||a maximum of 9/18 treatments||no|
|Disorders determined by the government over the age of 18||from the 21st treatment||no|
|Contraceptives||yes, up to the age of 21||-|
|Dental care in special cases
(No Risk II reimburses emergency dental care in the Netherlands up to €200 per year)
|Hospital birth with medical grounds||yes||no|
|Hospital birth without medical grounds||yes||yes|
|Maternity care at the hospital with medical grounds
|Maternity care at home, or at the hospital/birth centre without medical grounds
|Obstetric care before and after childbirth||yes||no|
|Specialised GGZ care||yes||no|