Health insurance in the Netherlands: the natura insurance

If you make a comparison on our website, you will directly see the terms ‘restitutie’ and ‘natura’. These are difficult terms and it is not directly clear what it means. That is why we are happy to inform you a bit more about the different types and what the pros and cons are.

What is a natura insurance?

A natura insurance is a type of a basic healthcare insurance. It is also called ‘contracted care’. If you choose a natura insurance you are forced to go to care providers your health insurer have a contract with. Do you want to go to a hospital? Your health insurer will only reimburse health costs if you go to a hospital your health insurer have agreements with. You can always go to every hospital, but if you go to a non-contracted hospital you need to pay a part of the medical costs yourself. This is approximately 30 percent of the total costs.

Pros of a natura insurance

Advantages of a ‘natura’ insurance is that it is cheaper than a ‘restitutie’ insurance. This is because health insurers make agreements with hospitals to lower costs. Besides that, you do not have to pay any health costs in advance.

Cons of a natura insurance

A disadvantage of a ‘natura’ insurance is that you are forced to go to the health providers your health insurer have a contract with. If you want to go to another (non-contracted) hospital you need to pay a part of the medical costs yourself. A hospital stay could be very expensive this way. This do not count for emergency health care. For emergency health care you can always go the nearest hospital. It does not matter where you are insured. You are also fully insured if you need to be transferred to the hospital by ambulance.

In our comparison we state if the health insurance includes ‘free choice of health care’ or not. When there is a cross-mark, you are always free to choose to which care provider you want to go.

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