Do you need medical assistance during a stay abroad? Your Dutch health insurance sometimes covers the costs, 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 medical care. With the European Health Insurance Card (EHIC), you receive care under the same conditions as the local population.
What is Covered by Your Insurance?
| Circumstance | Coverage |
|---|---|
| Acute care within EU | Fully covered (via 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 |
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 treatment
- Treatment via public healthcare institutions
Outside the EU/EEA
Outside the EU/EEA, coverage is limited:
- Coverage up to the Dutch rate
- Often required to pay yourself first
- Additional travel insurance is recommended
Frequently Asked Questions about Care Abroad
Do I have to advance costs abroad myself?
Within the EU often not, thanks to the EHIC. Outside the EU, you usually have to pay first and claim reimbursement later.
Will I be brought back to the Netherlands in case of an accident?
Repatriation is not included in the basic insurance. For this, you need supplementary or travel insurance.
Can I deliberately go abroad for treatment?
This is possible, but you must obtain prior approval from your insurer. Without permission, you risk limited reimbursement.
Practical Tips for Residents of Rijswijk
For legal questions about health insurance or claims, you can contact the Juridisch Loket Rijswijk. They offer free advice on rights and obligations regarding care abroad. For disputes, you can go to the Rechtbank Den Haag, which covers the district for Rijswijk.