Looking for an expat-friendly Dutch health insurance policy? Would you rather not pay the euros compulsory excess costs verplicht eigen risico in addition to your monthly premiums? As an intermediary, LoonZorg offers a unique health insurance policy from HollandZorg, specially created for expats in the Netherlands, without the verplicht eigen risico. In , everyone must pay for the first euros of their healthcare expenses out of their own pocket. This amount is not covered by the mandatory Dutch health insurance or Basisverzekering. This deductible excess amount is known as your compulsory excess or verplicht eigen risico. However, as an expat, you can sign up for the HollandZorg policy , which exempts you from paying the annual excess of euros. This No Risk policy is only available to expats and their expat partners, and has a monthly premium of 95,40 euros premium. The only two eligibility requirements for this special insurance policy are that:. Both expats who have just arrived in the Netherlands, and those who have settled are eligible for the policy.
Eigen Risico: the legal amount
A dominant issue in the Dutch election campaign has been healthcare: specifically, the rising cost of the so-called 'eigen risico'. But what does this term mean, and what is the rationale for it? Viola Angelini, an associate professor at the Faculty of Economics and Business of the University of Groningen explains. The optimal health insurance policy is thought to be one in which individuals bear a share of the medical costs within some affordable range, but are fully insured when costs become unaffordable. More generally, the optimal design of social insurance schemes always involves a trade-off between protection and distortion. In health insurance, individuals need to be protected against medical expenditure risk — it is important that people are able to afford necessary health treatments.
Eigen risico in the Netherlands
The concept of 'Eigen Risico' puzzles many internationals. It translates as 'own risk', but is in English mostly referred to as excess or deductible. But what is it and how does it affect what you pay for Dutch healthcare? Eigen Risico is:. Exceptions to the maximum excess are costs that you always have to pay, even if you have reached your annual excess:.
The health insurance system in the Netherlands works slightly different from the social or health institutions of other European countries. The monthly premium amount set by the government is a guideline for Dutch health insurance providers, who determine their own prices at the end of the year. These insurance providers also need to adhere to the Dutch government mandates outlining what is covered in the basic package, which usually consists of general coverage and a compulsory deductible.