16. Health Insurance and Public Services

The Netherlands has a well-structured healthcare system that combines private health insurance with public healthcare services. Below are the key aspects of healthcare in the Netherlands that every expat, including South Africans, should understand.

💳 Health Insurance Options

What’s Required?

• Health insurance is mandatory for all residents in the Netherlands, including expats. You must sign up for Dutch health insurance within four months of registering with the local municipality.
• The basic health insurance package (basisverzekering) covers necessary medical treatments like GP visits, hospital care, and prescription medications.
• For additional coverage (dental care, physiotherapy, etc.), you can opt for supplementary insurance (aanvullende verzekering), but it’s not mandatory.

Where to Find the Best Plans:

• Comparison websites like Zorgwijzer and Independer allow you to compare different health insurance providers and find the best plan for your needs.

• Major health insurers include:

  • CZ
  • Zilveren Kruis
  • VGZ
  • Menzis

  Each of these insurers offers slightly different packages, and it’s important to compare not just the price but also what’s included in terms of coverage and deductibles.

Cost:

• Basic health insurance typically costs around €120 - €160 per month. This can vary depending on your chosen insurer and any optional additional coverage.
• Link: Zorgwijzer Health Insurance Guide

🏥 Registering with a GP (General Practitioner)

Once you have health insurance, the next step is to register with a GP. The GP is your primary contact for non-emergency medical issues, and they will refer you to specialists if needed.

How to Register:

1. Find a GP in your area through websites like Zorgkaart Nederland or by asking local residents.
2. Call the GP practice to check availability. Some GPs may not be accepting new patients, so it’s important to start early.