The contact information of places of treatment within the public healthcare system and information about access to treatment are provided by local health insurance funds (zorgverzekeraar).
In the Netherlands, you will usually receive treatment free of charge when you present a European Health Insurance Card. This means that the health insurance fund will reimburse the costs incurred from your treatment to the service provider.
If however, you had to pay the full price for the treatment, you can apply for reimbursement from the health insurance fund Zilveren Kruis while you are in the Netherlands. Attach a copy of the receipts and of your European Health Insurance Card to the application. Contact information of Zilveren Kruis:
Foreign Law Group
PO Box 650
7300 AR APELDOORN
The telephone number of the Zilveren Kruis information service is +31 33 445 68 70 and the email address is gbr(at)zilverenkruis.nl. Additional information is available on Zilveren Kruis website in English.
Information about reimbursement of medical costs is also available from the National Health Care Instutute (Zorginstituut Nederland). Information in English about the Dutch public healthcare service can be found on the website of the Ministry of Health, Welfare and Sport.
Private health services are also offered. Treatment provided in private practice, is not reimbursed in the Netherlands; rather you pay all costs yourself.
Aruba, Curaçao, Bonaire, Saba, Sint Eustatius or Sint Maarten of the Netherlands don’ belong to the European Union. The European Health Insurance Card can’t be used in these territories.
Find a general practitioner (huisarts) who has an agreement with the Dutch health insurance system (most general practitioners have such an agreement). Present your European Health Insurance Card and ID at the appointment, and treatment will usually be free of charge. You can see a specialist if you have a general practitioner´s referral. In the Netherlands, there is no general practice regarding whether a general practitioner´s referral is needed for treatment by a specialist.
All dentists’ offices in the Netherlands are private, and dentists´ (tandarts) fees are reimbursed mainly only for patients below the age of 18. Adults usually pay for their treatment themselves. Reimbursements can be obtained only for procedures carried out by oral surgeons. Information about reimbursement is available from the health insurers.
In the Netherlands, when you collect medicines prescribed by doctor from a pharmacy (apotheek), present along with the prescription your European Health Insurance Card and ID. In this way, you will be reimbursed for some of the medicines. The health insurance companies determine the level of reimbursement. For some medicines you will have to pay the full price, for others part of the price, and some medicines are available free of charge. The Netherlands utilise a reference pricing system for medicines. If differently priced generics are available for a medicine, reimbursement is based on the average price of the medicinal product. If you choose an alternative which is more expensive than the average price, you must pay the additional cost yourself. Medicines in the Netherlands are more expensive than in other parts of Europe, on average.
You can access hospital treatment if you have a doctor´s referral. Your doctor will obtain consent for treatment from the health insurance fund, and for this a copy of your European Health Insurance Card will be needed. In this way, you will receive hospital care without charge. In urgent cases, you can go directly to the emergency department of a public hospital (ziekenhuis). Show your European Health Insurance Card as soon as possible so that the hospital can contact the health insurance fund, enabling you to be treated free of charge.
In emergencies, patient transportation by ambulance or taxi is free of charge if your doctor provides a certificate attesting to the necessity of such transport. For medical reasons, such as on the basis of certain illnesses, you can obtain reimbursement for a longer journey to medical care using the cheapest public transport, or by taxi if the doctor provides a certificate. Request the health insurance fund´s consent for reimbursement of travel costs in advance.
If, on account of your state of health, you require special transport to return to Finland, you must pay the costs in full yourself.
If you have to pay all costs yourself
If you have to pay the full price for treatment at a local public healthcare unit for which you would have been entitled to reimbursement with a European Health Insurance Card, you can apply for reimbursement retrospectively. You can apply for reimbursements from the health insurance institution of the destination country or from Kela on form SV 128.
You can find a healthcare provider on the website of the National Contact Point of Netherlands.
Treatment providers are also listed on the following websites:
- Zorgkaart Nederland (General practitioner, specialist or pharmacist search service)
- Allesoverhetgebit.nl (dentists)
Some of the sites are only in Dutch.
Costs of treatment
The Dutch Healthcare Authority (Nederlandse Zorgautoriteit, NZa) determines the maximum prices of treatment in the Netherlands. Prices at hospitals are not, however, entirely regulated. It is therefore possible that the same treatment at two different hospitals can be invoiced at a different amount. You can enquire in advance about prices from places of treatment and hospitals. Maximum prices can be found in Dutch on the Nederlandse Zorgautoriteit, NZ website.
Quality and safety of treatment
Information about the quality of treatment and patient safety is available on the website of the National Contact Point of Netherlands.
Information has also been compiled in Dutch on the following sites: