Do you need medical assistance during a stay abroad? The costs are sometimes covered by your Dutch health insurance, depending on the country and the nature of the care.
Medical Assistance within the EU/EEA
In the EU, EEA countries, and Switzerland, you are entitled to essential care. With the European Health Insurance Card (EHIC), you receive treatment under the same conditions as the local population.
Which Costs Are Covered?
| Circumstance | Coverage |
|---|---|
| Emergency care within EU | Fully covered (with EHIC) |
| Planned treatment EU | Reimbursement up to Dutch level |
| Care outside EU | Reimbursement up to Dutch rate |
| Return to the Netherlands | Only with additional insurance |
Applying for the European Health Insurance Card (EHIC)
You can apply for the EHIC free of charge from your health insurer:
- No costs associated with the application
- Valid in EU, EEA, and Switzerland
- Right to necessary medical care
- Treatment via public healthcare institutions
Care Outside the EU/EEA
Outside the EU/EEA, coverage is limited:
- Reimbursement up to the Dutch rate
- Often required to pay out-of-pocket
- An additional travel insurance is recommended
Frequently Asked Questions about Care Abroad
Do I have to pay for healthcare costs abroad myself?
Within the EU often not, thanks to the EHIC. Outside the EU, you usually have to pay upfront and claim reimbursement later.
Will I be repatriated in case of an accident?
Repatriation is not included in the standard insurance. An additional or travel insurance is required for this.
Can I deliberately go abroad for treatment?
Yes, but you must obtain prior approval from your insurer. Without permission, you risk lower or no reimbursement.
Practical Information for Westland
For legal questions about health insurance or disputes abroad, you can contact the Juridisch Loket Westland. In complex cases, the District Court of The Hague (district) may become involved.