Going to the hospital in the Netherlands in 2019: How to make it through a visit at the ‘ziekenhuis’
Healthcare, in general, can be pretty confusing if you’re a foreign national and not used to a new healthcare system. I found it especially weird because I have a national health service in my own country, so you don’t have to pay for any of your healthcare or hospital visits (this is covered via our taxes). Truthfully, it’s taken me 3 years to fully get my head around it, as until you actually fall ill, you’re never entirely sure of the process.
So, on that note, it’s about time for another DR healthcare guide on going to a hospital in the Netherlands. It’s important to understand the process, just in case something happens and you need to go!
I need hospital treatment in the Netherlands, what do I do?
Emergency – If you are needing emergency care that cannot wait, call 112, this will take you through to either the ambulance, the fire brigade or police. This is a free number, but everything comes after it will may not be free!
If you do not have health insurance, you will have to foot the bill for all treatment carried out. This includes the ambulance that will take you to the hospital. If you have Dutch health insurance, this will be covered by your basic insurance, no matter what hospital you go to – not even if it’s not covered in the policy (their policy only applies for other treatment that’s not an immediate emergency).
Non-Emergency – It is best to go through your doctor first because if you take yourself straight to the hospital it will cost you more. Also, you may find that your issue can be treated via your doctor, so again, this will be a much cheaper and wiser option. You may find that you will need a specialist and they will refer you.
Everything is treated with paraceptamol didn’t you know? 😉
Once you are referred and you turn up at the hospital for the first time, go to the desk and register with them. They will need all your personal details and GP name. You will be given a little plastic folder with all your information in – you will need to take this with you every single time you go (I tried to get an X-Ray without registering to the hospital because I had no idea what I was doing, so don’t do that, it doesn’t work). 😉
Staying overnight in a hospital in the Netherlands
So, what’s the set up like? Will I get a private room? What about children? Can I have visitors to feel sorry for me? Are just some of the questions you are probably wondering.
(And yes, your mummy is allowed to visit and look after you) 😉
Most wards are shared in a bay with up to 6 patients of all genders. You will have your own phone and TV, but you need to bring everything else with you, as standard for most countries. Children will have more things to keep them occupied during their stay and you can usually stay overnight with them.
Can I go to the hospital if I am not insured?
Yes, you can, but you will have to foot the bill from your own pocket afterwards. This could end up being very costly, which is why it is strongly advised to talk out some kind of insurance 1. Because it’s compulsory as a people working in the Netherlands and 2. If you’re just travelling, then it’s worth having travel insurance or something that will cover you – don’t risk it.
The only exception to this is if you got into an accident, you have registered to the country, but you were not insured. If you insure yourself before the 1st December and you registered under 3 months ago, then you can claim back the costs that you paid yourself, from the insurer. A day over this period and you will not be able to.
How much will it cost for me to go to the hospital?
If you aren’t insured, it could cost you thousands depending on your treatment. If you have Dutch health insurance, this depends on how high your deductible is. The lowest is 395 and the highest is 885 euros. If you have already used all of your excess for that year, then you will pay nothing.
Different types of health insurance and how it will affect your hospital visit
For non-emergency treatment, you need to be aware of what insurance you have and how it may be affected. What insurance you buy should depend on what needs you require. You need to go to your GP first if it is not an emergency. There are 2 different types of health insurances: Natura and Restitutie insurances. Here is the difference between the two:
- Cheaper than Restitutie
- You can only go to certain hospitals and other healthcare providers
- Some costs are usually included for non contracted hospitals (you usually pay around 30% yourself)
- More expensive than Natura
- You can go to any healthcare provider and you will be fully covered
- Overall it is cheaper as you will not have to pay anything additional
You can check what hospitals etc are covered by looking at your policy.
Different types of hospitals in the Netherlands
Not only are there different types of insurances, but there are different types of hospitals in the Netherlands.
A standard hospital providing treatments for less specialised issues.
They are more specialised than general hospitals and are hospitals that work alongside the major Dutch universities.
They too are more specialised and work alongside a university and are used for medical staff who are training (don’t worry, you are in safe hands though, they know what they are doing!)
There’s a lot to get your head around, right? If you stick to this guide and are keyed-up on your insurance policy, then hopefully hospital visits needn’t be as stressful as they were before.
Have you ever visited a hospital in the Netherlands? What were your experiences?