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How does Dutch healthcare work?

Healthcare in the Netherlands works differently than in many other countries. So it may also be different from what you are used to. On this page you will find a number of articles in which we explain how healthcare works in the Netherlands.

Go straight to our articles below about:

The biggest differences

Health insurance

General explanation

The biggest differences.

The Netherlands is very cautious with antibiotics.

At Fonkelzorg International, we think it is important that you get the best care there is! We are happy to explain why we do not simply prescribe a course of antibiotics. Antibiotics are medicines that can treat bacteria. They can kill the bacteria or slow down their...

Directness of doctors: a cultural trait

The Dutch are known for their directness, and this can sometimes come across as rude or confrontational, especially for people from cultures where communication is often more subtle. This also applies to doctors in the Netherlands. Your doctor may be very...

Pregnancy and giving birth are less medical

In the Netherlands, pregnancy and giving birth are often seen as a natural event that usually does not involve medical intervention. Women can choose to give birth at home with the guidance of a midwife. This is an important difference from the healthcare systems in...

No medication, only advice?

After a visit to the general practitioner (huisarts), you may get no medication, even if you have been given a diagnosis. This can be frustrating if you are used to doctors always prescribing something. In the Netherlands, however, it is common for mild complaints to...

Health insurance.

For a general explanation of Dutch health insurance (zorgverzekering), we recommend watching this video:

Watch video

On this website of the Dutch government you will also find all the information you need about health insurance in the Netherlands:

To the website

Healthcare system in the Netherlands

We understand that healthcare in the Netherlands works differently from what you may be used to. 😊 In the Netherlands you always go to the general practitioner first. You cannot go to the hospital on your own. A visit to the general practitioner is paid from your basic health insurance and so costs no extra money. For extra tests or a referral to the hospital, you have to pay part of the costs yourself (your deductible, "eigen risico"). The general practitioner looks at what is going on and helps you further. Sometimes you are referred to a specialist in the hospital, but only if that is really needed. We only do extra tests if there is a good medical reason for them. We follow the NHG guidelines for this. We usually do not do routine checks (such as a yearly check or blood test) if you have no symptoms or risk factors. If you have symptoms or concerns, we are of course happy to look together at whether extra tests are needed. You can then make an appointment through the patient portal or by phone. For more information, also see https://fonkelzorginternational.nl/.

Do I have to pay when I go to the general practitioner?

If you have Dutch health insurance, you do not have to pay anything. Are you not insured? Then we ask you to pay at the front desk.

Deductible

I understand that you have questions about which care is covered. General practitioner care is fully covered and does not count toward the deductible (eigen risico). By general practitioner care we mean consultations, contact by phone and online (e-consults) and home visits. If extra tests are needed, such as a blood test or tests in the hospital, these costs usually do count toward the deductible. Some care is not covered.
Whether costs are covered in the end depends on your personal health insurance and any supplementary insurance. Do you want to be sure in advance? Then contact your health insurer. You can also read more about this on our website: Frequently asked questions

General explanation.

Private healthcare providers: what you need to know.

Since 2006, private, commercial healthcare providers have been able to deliver care services in the Netherlands. These healthcare providers offer both long-term care and curative care, usually at secondary level. They often focus on less complex care, such as...

Freedom of choice in Dutch healthcare.

In the Netherlands, you have the right to choose your own healthcare provider. So you are free to decide which general practitioner (huisarts), specialist or care institution you go to. This puts you in control of your own healthcare and lets you choose the care that...

Long-term care

In the Netherlands, people who need permanent or 24-hour care are entitled to long-term care. This care is specially designed for the most vulnerable groups in society, such as older people in the advanced stages of dementia, people with severe physical or intellectual...

Preventive care in the Netherlands.

These programs focus on different stages of your life, and many of them are free. During pregnancy, for example, you can take part in screening programs, and after your child is born there are growth checks at the child health clinic (consultatiebureau) and a...

The general practitioner: the first step in care.

In the Netherlands, your general practitioner (huisarts) is your main point of contact for everything to do with your health. Whether you have a minor complaint or need advice: if you live in the Netherlands, the GP plays an essential role in your healthcare. The GP is...