What is ZieZo insurance?
ZieZo is the low-cost insurance by Zilveren Kruis. With ZieZo, you will do everything possible online. You submit your bills with your smartphone via the Zilveren Kruis app or via Mijn Zilveren Kruis. You can order medicine online. And for 100% reimbursem*nt you order certain medical devices online.
In most cases, you are obliged to take out basic health insurance. This insurance plan provides cover for basic healthcare treatments, such as hospitalisation, emergency care and GP visits.
What is a supplementary insurance? Basic healthcare insurance offers you the minimum national coverage of healthcare. If you are looking for extra coverage, for example for dental care, physiotherapy or birth control, you can opt to take out supplementary insurance.
According to Bas Knopperts, a health insurance expert at Independer, premiums are rising because total care is becoming much more expensive. Hospitals and healthcare providers also face inflation and higher wage costs, he told RTL Nieuws.
Everybody Covered
The average cost to a Dutch citizen for health insurance is about 1,400 euros, or $1,615, annually. People with lower incomes get additional government assistance to reduce their payments.
Types of Dutch health insurance
There are two types of health insurance in the Netherlands: Compulsory basic insurance (basisverzekering) Optional additional insurance (aanvullende verzekering)
- Healthcare insurance. Everyone residing in the Netherlands is obligated by law to take out healthcare insurance. ...
- Car Insurance. If you own a car, you must at least take out third party liability insurance for it. ...
- Home Insurance.
The Netherlands has universal healthcare, but the government requires all adults living or working in the Netherlands to have basic insurance. The basic plan will cost € 100-120 out of pocket. If you're employed, your employer will pay a small percentage towards medical coverage as well.
In 2022, Zilveren Kruis topped the ranking for gross premiums written due to medical expense insurances in the Netherlands, with a revenue of around 10.6 billion euros. Dutch insurance companies, however, are often part of a larger conern, or group.
High taxes
In general, the Netherlands has a high tax rate, with high social security and income tax. There is a tax incentive for some foreign workers which allows them to earn 30% tax-free income – however, this will only apply to those in specific roles or who have specific skills.
What is the biggest Dutch health insurance?
- Achmea Zorg. Achmea, founded in 1811, is part of Eureko, the largest insurance agency in the Netherlands. ...
- Agis Zorgverzekeringen. ...
- Amersfoortse Zorgverzekeringen. ...
- Anderzorg. ...
- Avéro Achmea. ...
- Azivo Zorgverzekeraar. ...
- Confior. ...
- The Friesland Zorgverzekeraar.
You are 18 years of age or older and you have compulsory Dutch healthcare insurance. Healthcare insurance is compulsory if you work in the Netherlands or do a paid internship here. You are also eligible for the healthcare benefit if you are registered with the CAK (opent nieuw venster).
The Netherlands ranks second, for instance, in a 2021 study that analysed healthcare in 11 high-income countries. Also in 2021, CEOWORLD Magazine's Health Care Index rated the Netherlands as the 11th best healthcare system in the world.
The United States has the most expensive healthcare system of any country.
Anyone living and working in the Netherlands has to buy basic health insurance (“basisverzekering”) from private insurers. Adults choose their policy as individuals; there is no family coverage. Children aged 18 and under are covered by their parents' insurance.
Does the Netherlands have free healthcare. The Netherlands has universal healthcare, but the government requires all adults living or working in the Netherlands to have basic insurance. The basic plan will cost € 100-120 out of pocket.
Dental treatment for adults is usually not covered by the basic insurance policy. You need to pay the costs yourself or take out dental insurance. Basic health insurance reimburses costs for: Extremely serious dental and maxillofacial conditions.
The philosophy underpinning the Dutch health care system is based on several more or less universal principles: access to care for all, solidarity through medical insurance (which is compulsory for all and available to all) and high-quality health care services.
The Central Administration Office (CAK) is responsible for verifying that everyone in the Netherlands has health insurance. If you're uninsured, you'll receive warning letters from CAK and a fine.
However, it's important to note that if you don't happen to have health insurance, you'll have to foot the bill for all treatment carried out — including the ambulance that took you to hospital. If, on the other hand, you have Dutch health insurance, these costs will be covered by your basic insurance.
How good is Dutch healthcare?
The Netherlands ranks second, for instance, in a 2021 study that analysed healthcare in 11 high-income countries. Also in 2021, CEOWORLD Magazine's Health Care Index rated the Netherlands as the 11th best healthcare system in the world.
You must take out Dutch health insurance within four months of your permanent residence permit coming into force. Your health insurance policy must be effective from the date your residence permit comes into force. If the insurance commences with retroactive effect, you will have to pay the premium retroactively.
The following services are covered by the mandatory basic insurance: Visiting your GP. Ambulance services, hospital stays, emergency treatment and surgery. Medicine prescriptions and blood tests (for some medication and medical aids, you will have to make a personal contribution to cover their costs)
All employees in the Netherlands must take out Dutch healthcare insurance. If someone fails to do so, the Dutch Central Administration Office (CAK) will do this for them. Their employer will have to withhold the monthly premium (in Dutch) for this insurance from their regular wages and pay this to CAK.
High-quality smiles at fixed prices
In other words: all dentists in the Netherlands charge the same fees. Let's check what the prices are for some common dentist treatments in the Netherlands in 2022: Periodic dental checkup: 23,45 euros. Dental cleaning for five minutes: 13,84 euros.
