Different types of health insurances in the Netherlands

In the Netherlands, there are different types of health insurances and coverages. There is the basic health insurance and the additional health insurance. But when you choose a health insurance you can also choose between a 'natura' insurance and a 'restitutie' insurance.

Basic health insurance

The basic health insurance is obligated for everyone who lives in The Netherlands. The basic insurance covers, among other things, the general practitioner, ambulance services and maternity care.

Read more about the basic health insurance.

Additional health insurance

The additional insurance is not obligated. With this insurance you can get coverage for, among other things, the dentist or physiotherapist. The higher the coverage, the more expensive the monthly premium is.

Read more about the additional health insurance.

Natura insurance

When you choose a 'natura' insurance you only get full coverage when you go to a caregiver who is contracted by the insurance company. If you go to a non-contracted caregiver, it is possible you do not get the entire bill reimbursed.

Read more about the natura insurance.

Restitutie insurance

The 'restitutie' insurance is in contrast to the 'natura' insurance an insurance where you have freedom of healthcare choice. That means you can go to any caregiver you want. Because you can go to any caregiver, it is possible you have to pay the bill in advance and declare at your health insurer later. The restitutie insurance is more expensive than a natura insurance. 

Read more about the restitutie insurance.

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