In stark contrast to many other European systems, the Dutch government is responsible for the accessibility and quality of the healthcare in the Netherlands but not in charge of its management.

The new Dutch health insurance system (January 1st, 2006) is a combination of private health plans with social conditions built on the principles of solidarity, efficiency and value for the patient.

Health insurance in the Netherlands is mandatory if you are on a long-term stay and is designed to cover the cost of medical care. As a rule, all expats must have a Dutch health insurance even if they are insured for healthcare in their homeland too (for exceptions read other health insurances).

Healthcare in the Netherlands is funded through taxation; mandatory health insurance fees and taxation of income (pre-specified tax credits). From the moment you start working, you are subject to Dutch social security legislation and thus, have to obtain (at least) the basic health insurance (Basisverzekering) package.

The basic package costs around 100 euros per month and covers:
› general medical care (including medical specialists, hospital care, GP appointments etc.)
› hospital stays
› dentistry (for those under 18 years old)
› limited dental care (for those over 18 years old)
› medicine prescriptions
› patient transport (ambulance services)
› paramedical care
› pre and post-natal care
› midwifery services
› rehab services (diet care, physic etc.)

However, you may need extra coverage for additional medical treatment (extensive dental care, physiotherapy etc.) and that is where private health insurance providers (Zorgvezekeraar) compete.

After you have chosen your Dutch health insurance provider you should register with a general practitioner (Huisarts). Every time you need a specific examination you should first liaise with your family doctor and he / she will refer you to the right hospital / clinic. A list with all nearby doctors can be found in your local pharmacy shop.