You have come to the right source for the Netherlands Insurance for immigrant application guide. As an immigrant, you should know that before moving to the Netherlands you must secure insurance (especially, health insurance).
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This is because the Dutch healthcare system is highly rated but the good news is that it provides comprehensive services. It requires everyone, including immigrants, to have basic health insurance.
You are lucky to be on this page as we will walk you through the steps to apply for health insurance as an immigrant in the Netherlands.
Also, you will learn about the legal requirements and important things to consider before applying. Are you ready? Before then, who is eligible for the Netherlands’ insurance for Immigrants?
Who is Eligible for the Netherlands Insurance for Immigrants
1. Migrants who are EU Nationals.
2. Migrants who are non-EU nationals.
3. No Income persons or persons with income from abroad or working for an international organization.
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However, if you have a European Health Insurance Card (EHIC), this might cover you temporarily while you apply for Dutch insurance. However, it’s still necessary to get Dutch health insurance if you reside or work in the country.
Netherlands Insurance for Immigrant Application Guide
Before you apply for the Netherlands insurance for immigrants, consider the following:
To apply for the Netherlands insurance for immigrant you must understand how the system works. This is because, in the Netherlands, health insurance is mandatory for everyone residing or working in the country.
As such, whether you are moving for work, study, or family reunification, you must seek to have knowledge of how the system works.
The basic healthcare insurance (“basisverzekering“) covers standard medical care such as doctor’s visits, hospital treatments, and prescription medications.
Who Needs to Apply for Dutch Health Insurance?
You may have asked: Is the Netherlands insurance for immigrant alone? Well, it is important to know that if you plan to live or work in the Netherlands, you are required to apply for health insurance. The key groups that need to apply include:
- Those employed in the Netherlands. These people must apply within four months of registering with the municipality.
- Also, if you are a student and do not have a part-time job, you might be covered by your home country’s insurance. However, if you take up employment, Dutch insurance becomes mandatory.
- People coming from non-EU countries with a residence permit must get insured after arriving in the Netherlands.
- For EU/EEA and Swiss nationals, it’s essential to check if your home country’s health insurance covers you in the Netherlands. If not, you will need to apply for Dutch insurance.
Steps to Apply for the Netherlands Health Insurance
1. You Need to Register with the Local Municipality
Before applying for health insurance in the Netherlands, you must first register with the local municipality (“gemeente”).
This registration is essential because you will receive a Burgerservicenummer (BSN), a citizen service number, which is needed to apply for insurance.
2. You Need to Determine Your Eligibility
Please ensure you have a valid residence permit or employment contract and meet other requirements before you apply.
This is because, without legal residency or employment, insurance providers might not accept your application.
3. You Need to Compare Health Insurance Providers
When it comes to applying for the Netherlands insurance for immigrant, comparison is very important. This is because there are numerous insurance companies in the Netherlands and each offers various packages and coverage.
However, it is essential to choose a provider that meets your healthcare needs and budget. Once you have selected a provider, you can apply online through their website or by contacting them directly.
What would you need to apply? Well, to apply, you will need:
- Your BSN number.
- Personal information.
- Your Dutch bank account details for payment.
However, note that some insurance companies may ask for proof of income. This is to determine if you qualify for any subsidies.
NOTE: While the basic health insurance plan covers many essential services, you might need additional coverage for dental care (especially for adults), physiotherapy, specialist treatments and international coverage for traveling outside the Netherlands.
Frequently Asked Questions
Is there a waiting period for Dutch insurance?
There is no waiting period for basic insurance, so you are covered immediately after approval.
Is there a switching opportunity for Dutch insurance?
Yes. Every year, between November and December, there’s an open enrollment period when you can switch insurance providers if needed.
How much is health insurance in the Netherlands?
It is approximately 120 euro per month.
Is healthcare free in the Netherlands for foreigners?
If you don’t have insurance, you’ll still receive care and treatment in any emergency situations. However, healthcare in the Netherlands for foreigners isn’t free. You’ll be expected to pay for any medical care you receive. If you don’t have the financial ability to pay for your care, assistance may be available.
How long does it take to get health insurance in the Netherlands?
It can take four months.
Can I live in the Netherlands without health insurance?
Everyone who lives or works in the Netherlands, is required by law to have health insurance. In most cases Dutch health insurance is required, but there are exceptions.
What kind of insurance do I need when applying for a visa for the Netherlands?
When you apply for a Schengen visa for the Netherlands you must have health insurance or travel insurance that covers any medical expenses you may incur while in the Schengen area.
Applying for health insurance as an immigrant in the Netherlands is a straightforward process. However, it is important to act quickly and ensure that you meet all the legal requirements.
By following the steps outlined above—registering with the municipality, comparing insurers, and applying within the specified timeframe—you can ensure smooth access to one of the best healthcare systems in the world.
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