What is the Dutch Healthcare Insurance (ZVW)?

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Employees in the Netherlands are entitled to state health insurance - Heffing Zorgverzekeringswet (ZVW), which is mandatory for all people who live and work in the Netherlands. Expats from outside the EU, EEA or Switzerland who arrive in the Netherlands must take out Dutch health insurance within four months of receiving their residence permit, even if they have an existing foreign policy. The contribution rate of 6.68% is the same for employees on an indefinite or definite contract.

The basic insurance covers a large number of health risks, including:

  • Medical care (primary care) in hospitals, general practitioners and other recognized care providers
  • Patient transport
  • Dental care (for young people)
  • Pharmaceutical care (medication)
  • Certain aids, such as dentures or hearing aids
  • Personal care and nursing via the district nurse
  • Maternity and obstetric care
  • Paramedic care (for certain chronic conditions)
  • Dental care for minors (<18 years)

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