Table 1 Health insurance in The Netherlands [3]
Basic insurance: | |
− National government yearly determines the content of the basic insurance policies − The content is identical for every basic insurance − The basic insurance is compulsory for everyone living or working in The Netherlands aged 18 years and above − Health insurers are obliged to accept everyone regardless their age, health status and place of residence − Premium differentiation is prohibited − Insured have the possibility to switch once a year between health insurers − Distinction between policies with full reimbursement of all health care providers (reimbursement policy) or policies with partly reimbursement of the non-contracted health care providers (in kind policy) − Mandatory deductible of 385 euro in 2016. This does not apply to care that is reimbursed by any supplementary insurance, or for a few types of care in the basic insurance, such as GP care. − Possibility to choose for a voluntary additional deductible of 100, 200, 300, 400, 500 euros to decrease the monthly premium. − The basic insurance is an extensive package covering, among others, GP care, hospital care and maternity care | |
Supplementary insurance: | |
− The supplementary insurance covers, among others, physiotherapy for non-chronic illnesses, dental care and additional reimbursements for medicines − Voluntary, not necessarily taken out at the same insurer as the basic insurance − Insurers are not obliged to accept everyone − Premium differentiation is allowed for the supplementary insurance |