Pregnant and need medical support: how does this work in the Netherlands?

If you are pregnant you probably need extra medical care. During your pregnancy you perhaps want to see a midwife to check if you and your baby are in good health. Or you might want to give birth to your child in a hospital. Most medical costs made during your pregnancy and giving birth are covered by the basic insurance. However, not everything is covered completely.

What is covered in basic health insurance?

The following aspects are covered in the basic health insurance:

  • Obstetric care (midwife).
  • Echo's (the first two).
  • Child birth in the hospital or a clinic with medical necessity.
  • Maternity care in the hospital with medical necessity.
  • Home birth (pre- and aftercare)​.

What is not or partly covered?

The following aspects are not or partly covered by the basic insurance:

  • A hospital birth without medical necessity. You have to pay € 356,90 (2020) if you do not have an additional insurance.
  • Maternity care at home with a maximum of 10 days. You have to pay a contribution of € 4,30 per hour. Usually you get about 40 hours of maternity care in the Netherlands. With an additional insurance you get the contribution fully covered.
  • Maternity care in the hospital without medical necessity
  • Maternity package. This contains all care products you need for a home birth or after care in case you have a hospital birth. You only get it reimbursed if you have an additional insurance.

Do you want to be insured for this too? You can close an additional insurance to get this completely covered.

Do I need to pay excess?

If you are not insured you have to pay for all the medical costs yourself. In theory this should not happen, because you are obligated to have an insurance. When you just moved to the Netherlands and applied for a health insurance it might take some time before you are insured. In that case it is possible to already see a midwife. You probably have to pay for the visit. If the appointment is on or after the starting date of your insurance, the costs will be reimbursed as soon as you receive an insurance number.

I am pregnant and not insured

If you are not insured you have to pay for all the medical costs yourself. In theory this should not happen, because you are obligated to have an insurance. When you just moved to the Netherlands and applied for a health insurance it might take some time before you are insured. In that case it is possible to already see a midwife. You probably have to pay for the visit. If the appointment is on or after the starting date of your insurance, the costs will be reimbursed as soon as you receive an insurance number.

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