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How is the health system in the Netherlands?

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How is the health system in the Netherlands?

When you move to a new country, there are naturally many questions. When it comes to finding a house, settling in, etc., there are dozens of subjects to learn about. The healthcare system is one of the biggest question marks when moving to a new country. Especially if there is a child, the level of anxiety increases even more. In this article, we will try to talk about all the information you need to know about the Dutch healthcare system.

According to the Dutch government, anyone considered to be a resident of the Netherlands is required to have a health insurance. Until the age of 18, the state pays for it, and the requirements for international student status are slightly different.

Dutch Health System in General

The healthcare system is divided into three main branches:

Chronic diseases and long-term treatments : Since the treatment process is longer than normal in cases such as cancer and stroke, your addressee is the institution that provides this service directly. For example, if you need equipment such as a cane or walker permanently, all of these must be covered by your health insurance.

Short-term treatments, simple diseases: In fact, this is the point where you will do almost 95% of the transactions related to the health system. Your GP is the first person you go to when you have a problem. If you need to be treated in a specialty, you can go to a hospital or a specialist doctor with his or her guidance.

Supportive treatments (such as dental, physiotherapy): In the Netherlands, treatments such as dental and physiotherapy are completely transferred to the private sector and are completely excluded from the smallest packages of insurance. However, you can add some of the insurance coverage with the additional packages you will pay monthly.

Benefiting from the Dutch Health System What to Do?

There are a few things you need to do as soon as you arrive in the Netherlands to benefit from the healthcare system .

1. BSN (Burgerservicenummer) almak:

Without BSN, the Dutch version of the ID number, you can hardly do anything in the Netherlands. In order to do this, you need to go to the relevant municipality and register as soon as your address is known. We will be sharing more detailed information about this. In order to get this, you need to give some documents to the municipality, such as your residence permit and your employment contract if you came through work. It may be useful to ask the municipality for the required documents beforehand, as  it may differ from municipality to municipality. After your application, the IND (Immigration Office) will evaluate your application. Your BSN number will be sent to the address you specified by mail. Let us remind you that it may take up to 10 working days. In the meantime, try not to get sick 🙂

2. Bank Account

Again, in many cases where you have to pay money, you need to have an account here. If you came for work, this is also a condition for you to receive your salary. As soon as you receive the BSN, that’s the first thing you need to deal with.

3. Deciding on the Insurance Firm

Although the state requires insurance, all insurance companies are under the control of the private sector. The coverage of the basic packages is the same for all insurances.

You can compare prices on the packages you want at https://www.pricewise.nl/zorgverzekering/zorgverzekering-vergelijken/ or https://vergelijker.net/zorgverzekering/ . However, if you want to benefit from employer support, you usually do not have a choice. You have to work with the company that the employer has specified for you.

You can perform insurance transactions online. The company you choose will send you a card with the necessary information on it in a few days to the address you specify.

3. Registering with a Family Physician

Since you have insurance, the next step is to choose your family doctor from a region close to your home address. You can see the comments about the doctors in the region at https://www.zorgkaartnederland.nl/huisarts and decide accordingly. However, there is one point you should pay attention to. The clinic of the doctor you choose should not be more than a kilometer or two from your home . Otherwise, doctors will turn you away. Unfortunately, many doctors are not available because the number of doctors is limited. Therefore, you may need to call or go to the clinic in person and ask about availability.

If there is availability, you register with the card sent by the insurance. Your eyes are bright! You now have a doctor.

4. Making an Appointment

One of the most important things to know about the Netherlands is to make an appointment for everything. For the doctor, of course, this is quite logical. You can make an appointment by phone or by going to the polyclinic.

Subject of Specialist Doctor

In the Netherlands, you cannot go to the hospital on your own and be examined by a specialist doctor. First of all, you need to go to your family doctor. If the family doctor deems it appropriate, you are referred to the relevant specialist doctor. So you have the flu, your leg hurts, you need to have an operation, always the family doctor. There are exceptions here. Physical therapy and dentist. You can go to both of these without going to the family doctor, and the amount you will pay varies according to the scope of your insurance. We will elaborate on this below.

Insurance Packages and Coverages

Own Risk

We’ll talk about insurance packages below, but there’s one more important thing you need to know. You can consider this as your own risk. What does this mean? It means an expense item other than the monthly premium you will pay to the insurance. If your health expenses exceed this amount at the beginning of the year that year, you have to cover the amount up to an amount that you will determine when choosing a package at the beginning of the year. If your health expenses exceed this amount in the relevant year, all expenses after that point are covered by the insurance. The more you increase this limit, the lower your monthly payments will be. Although the minimum limit is set every year, the figure for 2020 is 385 €. In other words, the expenses after you pay the first 385 € will be covered by the insurance.

Basic Package

Within the scope of the basic package, there are family physicians and follow-up treatments and treatments for chronic diseases. The choice you need to make for the basic package is to decide whether you want to go to the partner centers. If you say that I can go to any hospital I want, your monthly payment will increase a little more.

Additional Packages

Dental: Dental services have been completely transferred to the private sector and are not covered by the basic package. You can go to a dentist of your choice at https://www.zorgkaartnederland.nl/tandarts , register and continue your treatment here. As we mentioned above, you do not need to go to the family doctor for the dentist. With the packages you will add to your insurance coverage, you can say that 75 or 100% of the annual costs ranging from 250 to 1000 € will be covered by the insurance. Of course, keep in mind that as the coverage rate and amount increase, your monthly payments increase at the same rate.

Important note: Many dentists use an intermediary firm for payment. You have to pay the part that the insurance does not cover to that intermediary company. When registering with the dentist, be sure to learn how to make these payments. Because we did not know this, we went to an appointment once and could not get service because the payment was not made. keep in mind.

Physiotherapy (Physical Therapy): Physiotherapy is one of the most important pillars of the health system. For orthopedic problems, you can see a physiotherapist directly before your family doctor. If you cannot find a solution to your problem with physiotherapy treatment, your family doctor comes into play here. With the written recommendation of the therapist, you can go to the family doctor and request to see a specialist doctor. It is possible to choose packages with unlimited sessions of 6 times a year for this treatment method, which is also not covered by the basic package.

Eye: When you have a problem with your vision, it is enough to go directly to the eyeglasses retailer instead of the doctor. The optician there will take the measurements and give you the right glasses directly. The compensation for this service is still not included in the basic scope. However, there are packages available to cover costs from 100 to 200 € per year. A specialist ophthalmologist is considered as the last solution in case of serious eye problems.

Overseas Coverage

The Netherlands has health agreements with many countries. If you experience a health problem while traveling and need to go to the hospital, the insurance coverage varies from country to country. Therefore, before traveling, it is useful to get detailed information from your insurance company.

You can also take advantage of the extra packages offered by insurance companies to increase coverage. Remember. Even if your insurance covers it, if your Own Risk limit is not reached, it will be deducted from there first and you will have to pay.

Alternative Treatments

There are also additional packages for alternative treatment methods such as acupuncture. You can add costs from 200 to 700 € per year in your package.

Student Insurance

International students are not required to have insurance. Because they are not seen as resident individuals. However, in order for them to benefit from the health system while they are here, they must have private health insurance. It is not possible to take out standard Dutch insurance because you do not have a residence.

If you start working in any job besides being a student, you are directly covered by the insurance due to residence. Even works based on volunteerism are evaluated within this scope. However, since your income will be low, it is possible to receive insurance assistance.

Health Insurance Assistance

If your annual income is less than €30,481 for singles, €38,945 for partners and less than €116,613 (for 147,459 partners), you can receive assistance.

For example, a 33-year-old can receive an insurance benefit of 63 € per month with an annual income of 25,000 €. Here is the calculation link .

Insurance for Children

All children up to the age of 18 must have insurance, but the premium is not paid until they turn 18. If you have a child in the Netherlands, you must insure your child within 4 months of birth. Persons over the age of 18 must also switch to the premium payment system within 1 month. Otherwise, there is a penalty.

Insurance Company Change

If you are not satisfied with the current insurance company, you can change companies. But you can do this once a year. Every year in November, insurance companies send out their new policies. You can switch to another insurance company until January 1st.

Berry moved to the Netherlands for her art studies. She is living in Amsterdam for 16 years. You can see her in Amsterdam streets with her fancy pink bike. She is a professional photographer and blog journal lover.

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Criticism and resignations after sexist speeches by a university student association in Amsterdam

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Criticism and resignations after sexist speeches by a university student association in Amsterdam

The president resigned after three members of the governing body at a caucus party called women “whores” and “semen buckets”.

Sexist speeches at the party organized by the Netherlands’ largest university association (ASC/AVSV ) on July 24, in its Dutch abbreviation), caused a wave of criticism on a national scale. Three male students from the board of directors made misogynistic comments: “If I think she’s going to the NDSM pier [a cultural space in Amsterdam] on Sunday, July 24 in her best dress, then she’s one of them…” . The response from the all-male room was: “Bitch.” In another commentary, women are said to have “semen cubes”, and one speaker even offered to “break their necks to penetrate them”. In light of the facts, the chairman of the group and the trio responsible for these parliaments resigned. The university rectorate will not renew the grant for this association for the time being and 270 students have written rejection letters.

What happens in university associations, in particular the hazing to which new members are subjected every year, does not usually transcend. There is an unwritten law of silence, but this time a video of the celebration has been leaked. In it, you can see the boys, some of them very young, chanting the harangues of their classmates from more advanced courses several times to the cry of “whores”. The celebration took place in separate rooms, for boys and girls, although the rest of the year there are usually joint activities. Some guests left the room at the tone of the speakers. The journalist and feminist Milou Deelen, who was not there, criticizes that those who make these comments “think they are funny, when they are terrible,” the 26-year-old says on the phone.

Adds Deelen: “These guys tease each other because, in the end, they just think it’s great to be able to have sex with as many girls as possible. Saying those things gives them a dangerous sense of power.” Six years ago, she herself was part of Vindicat, a student association at the Dutch University of Groningen. At one point in her studies, Ella Deelen was insulted with a denigrating song sung by her own classmates, and she responded by denouncing the misogyny of her former group. She recorded a video for it where she claimed her sexual freedom, thus showing the double standards that she applied to her. It was the same freedom enjoyed by the boys around her without anyone insulting them.

The association has not responded to calls from El PAÍS, whose president, Heleen Vos, resigned last Thursday. As she has said, “there are members who are opposed to things changing, and much remains to be done.” Shortly before her departure, she had called for “the campaign of intimidation and threats now suffered by the people involved” to stop. Profiles of the three student members of the board circulate on social networks with their pixelated faces and insulting messages. For their part, in their letter, the 270 signatories assure that they are “fed up with this sexism.” “This is not a joke. We have no words to describe what it means for us to be presented in such a disrespectful way at our own dinner and celebration, “adds the note.

Milou Deelen ‘s personal campaign went viral six years ago, and she regrets that things remain the same. She says that it is very difficult to imagine that these male students would want to say something like that, “after the #MeToo phenomenon, when feminism is on the political agenda, and with a recent sexual harassment scandal in the Netherlands, in the music competition The Voice [ The Voice]”. The three students from Amsterdam who have submitted their resignations were at the end of their university cycle, and Deelen finds it “very dangerous that they could hold important and powerful jobs in the future”. “As far as I know, they are no longer active on the board, although they are still members of the society. They wrote their speeches and I think they should be kicked out. If not, things will stay the same,” he asserts.

The student who leaked the images prefers to remain anonymous, and the video was published on Dumpert, a digital platform owned by Mediahuis, a private communication company with assets in Belgium, the Netherlands, Ireland and Luxembourg. The Dutch media have then collected excerpts in their editions. Another video of a show contracted by the same association has also been leaked, where two half-naked women hit the faces of some men on stage with their butts. It was witnessed by hundreds of ASC/AVSV members.

Founded in 1851, ASC/AVSV has 2,700 active members, and Femke Halsema, mayor of the Dutch capital, has also raised her voice calling the rants “incitement to violence against women”. At the moment, she is investigating the possibility of temporarily withdrawing the association’s license. Last year, it no longer received the corresponding contribution, sent by the rectorate, to carry out its activities. Then it was because of the violence of the hazing endured by the new applicants: there were blows, kicks and slaps, and “a change of tone” was announced that has not occurred.

The University of Amsterdam, the Free University (VU) – also in the Dutch capital – and the polytechnic (Hogeschool) have shown their rejection of what happened. The Ministry of Foreign Affairs, which is among the potential employers of these students, has asked the association to remove the institution’s logo “immediately from its website.” And the Heineken brewery, one of the sponsors of the party, has distanced itself from the sexist speeches.

Adds Deelen: “These guys tease each other because, in the end, they just think it’s great to be able to have sex with as many girls as possible. Saying those things gives them a dangerous sense of power.” Six years ago, she herself was part of Vindicat, a student association at the Dutch University of Groningen. At one point in her studies, Ella Deelen was insulted with a denigrating song sung by her own classmates, and she responded by denouncing the misogyny of her former group. She recorded a video for it where she claimed her sexual freedom, thus showing the double standards that she applied to her. It was the same freedom enjoyed by the boys around her without anyone insulting them.

The association has not responded to calls from El PAÍS, whose president, Heleen Vos, resigned last Thursday. As she has said, “there are members who are opposed to things changing, and much remains to be done.” Shortly before her departure, she had called for “the campaign of intimidation and threats now suffered by the people involved” to stop. Profiles of the three student members of the board circulate on social networks with their pixelated faces and insulting messages. For their part, in their letter, the 270 signatories assure that they are “fed up with this sexism.” “This is not a joke. We have no words to describe what it means for us to be presented in such a disrespectful way at our own dinner and celebration, “adds the note.

Milou Deelen ‘s personal campaign went viral six years ago, and she regrets that things remain the same. She says that it is very difficult to imagine that these male students would want to say something like that, “after the #MeToo phenomenon, when feminism is on the political agenda, and with a recent sexual harassment scandal in the Netherlands, in the music competition The Voice [ The Voice]”. The three students from Amsterdam who have submitted their resignations were at the end of their university cycle, and Deelen finds it “very dangerous that they could hold important and powerful jobs in the future”. “As far as I know, they are no longer active on the board, although they are still members of the society. They wrote their speeches and I think they should be kicked out. If not, things will stay the same,” he asserts.

The student who leaked the images prefers to remain anonymous, and the video was published on Dumpert, a digital platform owned by Mediahuis, a private communication company with assets in Belgium, the Netherlands, Ireland and Luxembourg. The Dutch media have then collected excerpts in their editions. Another video of a show contracted by the same association has also been leaked, where two half-naked women hit the faces of some men on stage with their butts. It was witnessed by hundreds of ASC/AVSV members.

Founded in 1851, ASC/AVSV has 2,700 active members, and Femke Halsema, mayor of the Dutch capital, has also raised her voice calling the rants “incitement to violence against women”. At the moment, she is investigating the possibility of temporarily withdrawing the association’s license. Last year, it no longer received the corresponding contribution, sent by the rectorate, to carry out its activities. Then it was because of the violence of the hazing endured by the new applicants: there were blows, kicks and slaps, and “a change of tone” was announced that has not occurred.

 

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Amalia de Orange has broken tradition and will not join the University of Amsterdam student association accused of sexism

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The heir to the Dutch throne makes a “personal” decision to distance himself from a group criticized nationwide for misogyny.

Princess Amalia of Orange , 18, has decided not to join the Amsterdam University Student Association (ASC/AVSV, in its Dutch acronym) for the time being, thus breaking a family tradition with this type of brotherhood that goes back to his great-grandmother, Queen Juliana. The heiress to the throne of the Netherlands will study in the Dutch capital from next September and this is the group that would correspond to her. However, she has made the decision after the sexist speeches made during a party held last July by its members generated a wave of criticism on a national scale. The information service of the royal house (RVD) has confirmed Princess Amalia’s decision to public television, and has described it as “personal”.

The ASC/AVSV association, to which in addition to the students of the University of Amsterdam those of the Free University (VU) —also in the Dutch capital— and those of the polytechnic (Hoge school) can sign up, already lost last year the subsidy it receives from the rectorate to carry out its activities.

So, it was due to the violence of the hazing to which the new partners are subjected. This course, the initiation rituals have been suspended. Scandals due to humiliating treatment in an educational center are also a problem in other countries and for other European royalty. This is the case of the crown princes of Denmark, Federico and Mary, who last June announced that they have decided to change schools for their 16-year-old eldest son, Christian. The young prince will no longer study at the Herlufsholm boarding school, an official report uncovers cases of bullying and harassment. Located about 90 kilometers from Copenhagen, and with a good reputation to date, both brothers will now attend other schools.

In the biography on the Dutch princess Amalia, which appeared in 2021, its author, Claudia de Breij, pointed out that the young woman hoped to enjoy the full experience of the university stage. She wanted to “belong to a student association and live in a house with other students”, as she said. 

Her current resignation shows, however, that she is attentive to what is happening in Dutch society, since becoming a member of these groups is not mandatory. In the case of ASD/AVSV, both the president of the board and three of its male members resigned as soon as misogynistic comments made during the party held on July 24 came to light. That day, the three now-separated students said, among other things, that “women are buckets of semen.” It was also proposed to “break their necks to penetrate them”, and they were called “whores”, in chorus, during a meal. The leaking of a video of the celebration generated a wave of criticism, and 270 students published a letter of rejection.

Amalia de Orange is diligent and passed secondary school with an average grade of 8. Technically, she obtained a diploma cum laude . She at the University of Amsterdam will pursue a three-year degree (Bachelor) in Politics, Economics, Law and Psychology., which requires a selection process. In her family, membership in student associations goes back to her great-grandmother, Queen Juliana, followed by her grandmother, Queen Beatrix. 

Her father, King William, now on the throne, also did, although it was not his intention. According to Peter Rehwinkel, an expert on constitutional law, when William of the Netherlands was crown prince, he “would have preferred not to join a university brotherhood.” “He didn’t want to study at Leiden University either, where future sovereigns used to do it, but he ended up doing both,” Rehwinkel told Dutch television.

As for the place chosen to live, Amalia wanted to reside with other university classmates, although she knew that in her case security measures had to be taken into account. Right now, the shortage of student rooms across the countryit is notorious and the educational centers themselves advise those enrolled to postpone their studies, or even cancel their enrollment, if they do not find accommodation before the start of the course. 

Amalia de Orange will not have these problems. As indicated on her Twitter account by Rick Evers, information expert of the Dutch royal house, the princess will live in a house next to the canals of Amsterdam that is owned by some friends of her parents, the kings Guillermo and Máxima. . At the end of May, RVD spokesmen stated that the space chosen during this stage would be rented to its owners.

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More than 100 detained in farmer protests in the Netherlands

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Dutch police announced that more than 100 farmers were detained due to the events in the farmer protests.

In a written statement made by the police, the figures of detention and fines in the farmer protests held since July 22 were announced.

In the statement, which stated that the detentions and penalties made in the said events were not calculated separately, it was reported that the estimated number of detentions was more than 100 and that most of these people were under the age of 30.

The reasons for their detention were given as blocking the roads, throwing dung and garbage on the roads, and burning straw bales.

It was also noted that more than 700 fines were issued, 186 for slowing traffic and 212 for stopping traffic.

Thousands of farms are predicted to close

In the Netherlands, since July, farmers protesting the government’s protests against nitrogen emissions have blocked roads, blocked food centers and spilled dung and hay on the roads.

The farmers, who opposed the government’s decision to reduce the number of cows on the grounds that it caused large nitrogen emissions, held the largest demonstration to date in the city of Stroe on June 22.

The government has set targets to reduce nitrogen emissions by 50 percent in most regions of the country, and 70 and 95 percent in some regions, by 2030, after domestic courts’ infringement decisions on the grounds that they fell short of climate change targets.

According to data based on the Dutch Ministry of Finance, 11,200 farms are expected to be closed by 2030 due to targets to reduce nitrogen emissions in the country.

17,600 farms are expected to reduce the number of available animals by more than a third.

The first meeting between government officials and farmers’ representatives was held on 5 August.

Prime Minister Mark Rutte and other cabinet members also took part in the meeting, which took place in the city of Utrecht, mediated by Johan Remkes, former deputy of the People’s Party for Freedom and Democracy (VVD).

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