International health insurance

Health insurances are designed to cover medical expenses once these occur. Everyone living, employed and/or paying income tax in the Netherlands is obliged to take out statutory basic healthcare insurance.

Beside the basic healthcare package, expats can extend the level of protection and coverage with an additional health insurance.

Statutory basic healthcare package

All health insurance companies in the Netherlands offer expats the statutory basic healthcare package. The basic package is fixed by law, but expats are free to choose their own insurer.

Additional health insurance

In addition to the basic package an expat can take out an additional health insurance. The expat is free to choose either a domestic or an international solution. If the expat opt to take out a domestic additional health insurance, he/she can do this with his/her own health insurer. International health insurances are especially designed for expatriates. An international health insurance offers a more extensive coverage than domestic health insurances.

International health insurance

For expats who are not obliged to take out any statutory basic healthcare package in their country of residence or employment, it is possible to take out an international healthcare insurance. Expats who are not obliged to take out any statutory basic healthcare package are those expats who live and work in countries which don’t have these obliged packages.

Advantages of international health insurance

An advantage of the international health insurance is that it’s very portable. When an expat moves from country to country he/she can keep the same health insurance plan. Another important advantage is that expats enjoy the freedom of choice where to go for medical care, no matter where in the world they live.

Expats can choose various coverage areas for their international (additional) health insurance like worldwide, worldwide excluding USA and Canada, European, or another region. They also have the choice out of several levels of protection. The level of protection and coverage determine the premium.

Need assistance with international health insurances?

H&N Associates is specialised in providing expats with A – Z assistance concerning all financial and insurance issues. Fill in the insurance enquiry form to be contacted by one of our advisors for a personal health insurance advice.