Insurance system

Everyone in The Netherlands is legally required to hold the same basic health insurance package, although this can be supplemented by additional optional packages.

In general, the legal obligation to have the basic medical insurance package applies to all residents of The Netherlands, regardless of nationality, unless they have a temporary residence permit or student permit. However, foreign students and people staying temporarily in The Netherlands are required to hold some form of health insurance as a condition of entry.

Basic insurance
Most care provided by the hospital is covered by the basic insurance. This care is reimbursed by the healthcare insurer. The hospital submits the invoice directly to your healthcare insurer. Please note: this only happens if the hospital and your healthcare insurer have a contract. Contact your insurance company for more information.

Compulsory excess
Everybody aged 18 and older pays an annual compulsory excess for their health insurance. This means that everybody pays the first 360 euros (in 2014) of the care in the basic package him/herself. The excess starts the day you turn 18. Apart from this compulsory excess, you may be paying a voluntary excess. You have agreed this yourself with your healthcare insurer. The annual and voluntary compulsory excess together has a maximum of 860 euros.

Do you have supplementary insurance?
Some hospital care is not (entirely) covered by the basic insurance. This means that you have to pay by yourself. You can take out a supplementary insurance for this. If your treatment is reimbursed from the supplementary insurance depends on the insurance conditions. Therefore, read the agreement with your healthcare insurer carefully to know if you can appeal to the supplementary insurance. Do you not have any supplementary insurance at all? In that case you need to pay for all of the costs of hospital care that are not covered by the basic insurance yourself. The hospital sends the invoice for this care directly to you.

Contract hospital - healthcare insurer
If the hospital does not have a contract with your healthcare insurer, you must pay part of the costs yourself. In that case, the hospital will charge the so-called visiting patient price, to you as the patient or to the healthcare insurer.

PLEASE NOTE!! Amstelland Hospital does not have a contract for the Achmea 'Beter Af Selectief' and 'Take Care Now!' policies. Persons insured with these policies may only use Amstelland Hospital in case of emergency care, obstetrics or on referral by a specialist of another hospital because they do not have the appropriate expertise and/or facilities. In all other cases the hospital does not have a contract with Achmea for these policies.

No medical necessity
For care that is not a medical necessity (for example cosmetic surgery), you are always responsible yourself for payment of the costs. These treatments are not covered by the basic insurance. You can ask the hospital by filling in the form about the rates.

Accident & emergency department and after hours medical clinic (GP)
Are you attending a hospital's accident & emergency department? Then your excess will be applied to the costs. If the costs exceed your excess amount, those extra costs will be paid for you, even if your healthcare insurer does not have a contract with the hospital.

If your situation is not life threatening, please visit the general practitioner (GP) or the after hours medical clinic. Your excess will not be applied to costs for a visit to the after hours medical clinic. If necessary, the general practitioner will refer you to the hospital. The after hours medical clinic is available in the evenings, at night, in the weekend and during public holidays.

Do you have a new healthcare insurer?
The hospital will send the invoice for hospital care to the healthcare insurer with which you were insured on the start date of your treatment. That healthcare insurer will therefore receive the invoice, even if you switched to another healthcare insurer during treatment.