Healthcare in Netherlands

Healthcare in Netherlands
After 2006, the people of the Netherlands have witnessed a significant reform in its healthcare industry. As a result, a new dual-system was formed. The first one is the social insurance.


This is a public funded program which offers long-term care that is often associated with (semi-) permanent hospitalization, and it also covers related medical appliances such as wheelchairs.

On the other hand, the private insurance companies provide protection against primary and curative care (which covers visits to general practitioners and hospitals).

The private insurance companies are compelled to offer a standard package of insured medical treatments and associated medicines.

The country also has a legislative framework that stipulates that premiums are to be made fix for all its population, regardless of age, or health condition.

It also makes it unlawful for any insurance provider to turn away any new purchase or apply extended conditions (e.g., exclusions, deductibles, co-pays, or refuse to fund doctor-ordered treatments) to any person looking for insurance cover.

All minors below the age of 18 are guaranteed of insurance cover provided by the government and those less well off who may have a problem with insurance premiums, government assistance can be extended.

Dutch healthcare system stands out from the rest because of it risk equalization pool. This is an excellent concept whereby the risk variances associated with individual insured person can be offset through risk equalization, making a flat rate possible.

This is aimed to encourage insurers not to turn away any risky clients while making sure that no person would be penalized unfairly because of their health conditions or age.

There are 3 active players making up the fund for this private healthcare system, half of this amount is expected from employers, another 45% is collected from the insured employee in the form of premium, and the government would foot the final 5%.

The premium averages at about 100 pound monthly (there could be 5% variance across insurers due to competition).