As an employee of a Dutch based company you are subject to Dutch law and as such you also participate in the Dutch health insurance scheme. Your employer engages with Avéro Achmea in this aspect. We are a Dutch health insurer whose aim is to ensure that people become and remain vital and healthy.
We wish to inform you about the Dutch health insurance system and what aspects you, as an employee, will face. We will also inform you about your rights and obligations once insured and how Avéro Achmea can help you. Avéro Achmea offers extensive options for each family situation to ensure that you are well insured. Finally, we will give you practical tips to arrange insurance quickly and easily. Our English language customer services are at your disposal.
Health insurance in the Netherlands
In principle everyone who lives or works in the Netherlands is automatically insured according to the Algemene Wet Bijzondere Ziektekosten (AWBZ, Exceptional Medical Expenses Act). By derivation, this means that everyone is also compulsorily insured according to the Zorgverzekeringswet (Zvw, Health Insurance Act), which means that he or she must take out health insurance.
The national health insurance covers the costs of basic medical care. All health insurers offer supplementary packages to cover additional health costs. Be aware that a national health insurance only covers medical expenses and not personal liability, repatriation to your home country or legal assistance etc.
What kind of an employee are you?
It is important to determine whether you are obliged to take out the national health insurance.
It is important to obtain a residence status when coming to live and work in the Netherlands. With a residence status you may make use of the Dutch health insurance scheme.
Employed in the Netherlands
If you are working in the Netherlands under an employment contract, you are subject to Dutch tax legislation and you are required to take out a national health insurance. In certain circumstances, you may be employed in the Netherlands, but pay income tax in another country. This could be the case if your home country has a taxation treaty with the Netherlands. However, even then you are still subject to Dutch income and income tax laws and you will therefore be required to take out a national health insurance. When you are posted in the Netherlands by your employer abroad, and if there is a social security treaty between your country and the Netherlands, you are likely not to fall under the Dutch national health insurance. Your home country insurance will apply. For specific information concerning your situation please contact us.
EU-citizen or non-EU citizen
As a EU-citizen or non-EU citizen: You must register with the municipality where you are living. For more information about registration please contact your Municipality. As a EU-citizen: You must register your stay with the Immigratie- en Naturalisatiedienst (IND) if you are planning on staying longer than 3 months. The IND will record that you are staying in the Netherlands to work. This registration is compulsory, but in this case, if you do not register, this currently carries no consequences for your right to stay. You may stay in the Netherlands under the terms of the EU treaty, even if you do not register. However, if you do not register it could mean that you have no right to any social assistance (benefits). As a non EU-citizen: You must register your stay with the IND within 3 days after arrival in the Netherlands. Registration is compulsory.
Everyone who is ordinarily resident in the Netherlands is subject to Dutch social security laws and therefore is obliged to take out Dutch national health insurance. Foreign nationals are considered ordinarily resident when their stay is considered to be permanent (in contrast to a temporary stay). Your stay is considered permanent when your personal tie to the Netherlands is lasting. In that case, you are considered to be ordinarily resident. Please contact the IND and the SVB for more explicit
information about your specific residence status.
International employees who work in the Netherlands, but live in another country (for example Germany or Belgium) are likely to be required to take out a Dutch national health insurance. This applies only if you are working under an employment contract.
Under Council Regulations, EU cross-border workers are generally insured for social security purposes in the country where they work. An exception to this situation is when they also work in their home country. The situation is even more complex for cross-border workers outside the EU. Workers in this category are subject to Dutch income and income tax legislation. In other words, they are still insured in the Netherlands for social security purposes, and are therefore still required to take out a national health insurance.
Four months of qualifying
If you are required to take out a national health insurance, you must do so within four months. For example, if your obligation to take out a national health insurance starts on 16 May, you must have taken out the necessary cover by 16 September. However, the policy will be backdated to the moment that the obligation to take out a national health insurance started.
Important: if you are an international employee and you pay income tax in another country (for example, under the ‘professors/teachers’ clause of a double taxation treaty between the Netherlands and your home country), you will still be required to take out a national health insurance because you are still subject to Dutch income and income tax laws, even though you pay your taxes elsewhere. The Sociale Verzekeringsbank (SVB Social Insurance Bank) ‘internationale detacheringen’ department can tell you exactly what your social security situation is. More information is available on the SVB site www.svb.nl.
Financial help with health insurance premiums
Anyone wishing to apply for the health allowance (zorgtoeslag) must first obtain a BSN (burgerservicenummer or social security number). Without it, the tax administration will refuse to process the application. For more information please contact the Allowances department of the Tax and Customs Administration.
If you are required to take out a national health insurance, but fail to do so in time, College voor Zorgverzekeringen (CvZ) charges you a penalty of 130% of the nominal premium for each month that you did not fulfill your obligation to have a national health insurance. You are recommended to arrange your health insurance as soon as possible with Avéro to avoid unexpected costs.