Frequently Asked Questions
We have drawn up a list of Frequently Asked Questions for you. This should help you find answers to your questions quickly.
If your question has not been included in the list, please call our Service Centre staff on +31 (0)30 639 62 22. We will be happy to help you!
- Frequently Asked Questions
- Alle veelgestelde vragen
- I would like to switch from Basisfit Internationaal to the basic health insurance policy. What do I have to do?
How you can switch and what you need to do depends on your individual circumstances. For advice, please call our Service Centre on +31 (0)30 639 62 22.
- How do I determine whether I am eligible for a basic health insurance policy or international health insurance policy?
The basic health insurance policy is a mandatory health insurance scheme for the residents of the Netherlands. This also includes:
- non-residents who work abroad for a Dutch government institution
- non-residents who are working in the Netherlands
- crews of ships and planes with Dutch home ports
Conscientious objectors and military personnel in active service are exempt from the mandatory insurance.
The Dutch basic cover will no longer apply in the event of a long-term stay abroad, if your address is no longer registered with a Dutch local council, or if you receive income from abroad. Furthermore, there is no mandatory insurance for people living in the Netherlands who receive income from a country within the European Economic Area or a treaty country.
The ONVZ international health insurance policy offers a lot of advantages as an alternative to a health insurance policy in the Netherlands. International cover, reimbursements and terms and conditions that are generally in line with Dutch standards, worldwide cover and flexibility.
- What is the difference between international cover and cover abroad?
International cover applies if you need emergency assistance abroad. If you are abroad temporarily, the Dutch Health Insurance Act means you are always insured for medically necessary care worldwide. Care will be reimbursed up to a maximum of the applicable or usual rates in the Netherlands. The care provider will ask ONVZ for a payment guarantee, or you will have to advance the sum invoiced.
In countries within the European Union and in a number of other countries (Norway, Iceland, Liechtenstein, Switzerland and Australia) you can also use the European Health Insurance Card (EHIC). This entitles you to care in accordance with local regulations. These regulations may vary from country to country.
Cover abroad is applicable if you go abroad for planned medical treatment. We advise you to check with us beforehand whether your treatment abroad will be reimbursed. Whether or not your treatment will be (partially) reimbursed depends on whether it is part of the basic cover and also on whether the treatment can be performed in the Netherlands, on your individual circumstances and on whether ONVZ has a contract with the health-care provider in question. Your reimbursement will never be higher than the applicable or usual rates in the Netherlands.
We also may refer you to a health-care provider in another country with whom we have concluded an agreement.
This may for instance be because the treatment in question is not provided in the Netherlands or because the waiting lists are too long. In that case your treatment will be reimbursed in the same way as treatment in the Netherlands.
- I am Dutch and live abroad. How does my health insurance policy work?
If you start living and working abroad, you cannot decide for yourself whether you want to continue with the basic healthinsurance policy. The law states that you must continue with the basic healthinsurance policy if you are covered by the Dutch Exceptional Medical Expenses Act (AWBZ).
If you are posted abroad by your Dutch employer and if you remain insured under a collective healthinsurance policy, you and your family may be able to keep the same cover abroad. This is only possible if your employer and the insurer have made clear agreements about this.
The basic healthinsurance policy covers medical expenses abroad up to a maximum of the amount reimbursed in the Netherlands for a similar treatment. If you have a supplementary package, this cover may have been extended up to twice the amount reimbursed in the Netherlands. This level of reimbursement is sufficient for the surrounding European countries in most cases, but the cover may be insufficient outside these countries because of the higher medical expenses, in particular in a number of South-East Asian countries, Canada, the USA and Australia, or in European countries such as Switzerland. We therefore advise you to take out travel insurance as well.
- I am a non-Dutch person living in the Netherlands. How does my health insurance policy work?
If you are in the Netherlands temporarily and you need medical assistance, you may be able to make use of the treaty that the Netherlands has signed with a number of countries about the provision of medical care. If you live in one of the countries of the European Union (EU) or the European Economic Area (EEA) and if you are covered for medical costs there, you are entitled to (reimbursement of the costs of) medical care during your stay in the Netherlands.
If you are working for a Dutch employer during your stay, you will pay income tax and fall under the scope of the Dutch Health Insurance Act. You must therefore have a health insurance policy in the Netherlands. The Dutch Health Insurance Act takes precedence over your foreign health insurance policy. As soon as you start working for a Dutch employer, it is important for you to inform both us and your foreign health-care insurer about this.