Urgent foreign care
Reimbursements
When will you qualify for reimbursement?
Under the public health insurance, you will qualify for the reimbursement of the cost of care abroad, provided the care in question falls under the cover provided by the public healthcare insurance in the Netherlands too. In EU and EEA countries and Switzerland, you will also qualify for the reimbursement of care that is medically necessary according to the social health system in the country in which you are present at the time. For the reimbursement of urgent care abroad, the same conditions apply as for the right of that care in the Netherlands. For example, the need for a referral.
For reimbursement under our supplementary insurance, the care in question must be urgent care that cannot be postponed until you return to the Netherlands.
Read the HollandZorg conditions of insurance for the cover and reimbursement applicable to care abroad.
Reimbursement for urgent care abroad
Under the HollandZorg basic health insurance, you qualify for urgent care abroad up to a maximum of the rate most competitive in the Netherlands.| Basic Health Insurance | Supplementary Insurance |
| HollandZorg public healthcare insurance | The care provider that provides you with care will not usually have been contracted by us. In this situation, the reimbursement will be equal to the reimbursement that you would receive from us if this care were provided by a non-contracted care provider in the Netherlands. If a maximum rate applies to the same care in the Netherlands, we will reimburse you up to a maximum of this rate. If no maximum rate applies, we will reimburse you up to the most competitive rate in the Netherlands*. Alternatively, if you are staying temporarily in an EU/EEA country or Switzerland, you could receive a reimbursement in line with the social health system in that country (if this is more favourable for you). However, the care in question must be medically necessary in this situation. |
| Supplementary Insurance** | Reimbursement |
| Compact | none |
| Start | 100% |
| Extra | 100% |
| Plus | 100% |
| Top | 100% |
| No Risk I | none |
| No Risk II | none |
* Explanation of most competitive rate in the Netherlands
The most competitive rate in the Netherlands is the rate that applies in the Netherlands to the care that you are receiving. The cost of care abroad may be higher or lower than in the Netherlands.
** Explanation of reimbursement under the supplementary insurance
Under the supplementary insurance, you will qualify for:
- urgent care that falls under the cover provided by the basic health insurance, but that is not reimbursed in full under the basic health insurance.
- medically necessary transport to the Netherlands or your country of residence. For example, if we feel that the care is not really feasible, medically ill-advised or far more expensive in the country in question than in the Netherlands.
The maximum reimbursement applies to the various components taken together. Read the HollandZorg conditions of insurance for more information.
EU/EEA countries and treaty countries
The following countries are EU/EEA countries: Belgium, Bulgaria, Cyprus (Greek part), Denmark, Germany, Estonia, Finland, France (including Guadeloupe, French Guyana, Martinique, Reunion, St. Pierre and Miquelon), Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Austria, Poland, Portugal, Romania, Slovenia, Slovakia, Spain (including Ceuta and Melilla), the Czech Republic, Iceland and Sweden
The following countries are treaty countries: Australia, Bosnia-Herzegovina, Cape Verdi, Croatia, Macedonia, Montenegro, Serbia, Tunisia, Turkey and Switzerland.
Statutory personal contribution
A statutory personal contribution may apply to care that you receive under the public health insurance. It is not relevant whether you receive this care in the Netherlands or abroad.
Will you receive the reimbursement under the social health system in the country in which you are residing temporarily? If so, the statutory personal contribution applicable under this social health system will apply.
Excess
Are you 18 or older? The costs incurred for care under the public health insurance will count towards your compulsory policy excess. It is not relevant whether you receive this care in the Netherlands or abroad.
Will you receive the reimbursement under the social health system in the country in which you are residing temporarily? The Dutch scheme referred to above will not apply in this situation.
Who may provide this type of care?
On January 31, 2020, the United Kingdom (UK) left the European Union (EU). New arrangements are being negotiated by the UK and the EU around the reimbursement of medically necessary care for EU citizens in the UK. Depending on the agreements that are made, this may have implications for your health insurance.
Depending on the care that you need, you will be able to approach a general practitioner or the accident and emergency department in a hospital abroad. In all EU-countries you can call the alarm number 112 in case of emergency.
HollandZorg Emergency centre
You are only entitled to reimbursement if the Emergency centre coordinates the care or transport. Our staff will arrange for you to receive the care you need and help you to find a care provider. You can contact us 24 hours a day, seven days a week on +31 (0)570 687 112.
International invoices must be drawn up in Dutch, German, English, French, Polish, Spanish or Turkish. If the invoice is drawn up in a different language, we may not process the invoice, unless you enclose a certified translation of the invoice. Also, you must submit a Foreign claim form, duly completed and signed.
Please note:
The information on this page is a brief outline of the reimbursements. No rights can be derived from this page. You can only derive rights from our insurance conditions 2025.
Your health insurance
In My HollandZorg you will find all information about your health insurance policy.
Maximum rates for a non-contracted care provider
Have you chosen a healthcare provider with whom we have no contract? Then, we will reimburse according to our maximum rates for 2025. If the rate invoiced by the non-contracted care provider is higher than our maximum rates, you will have to pay the difference yourself. You will be able to find contracted care providers with our Care finder.
Reimbursements, conditions and regulations 2024
