Gezondheid en zorg

Healthcare and Insurance

The healthcare system in the Netherlands is different from the systems in many other countries. Please read the information on the Dutch situation carefully. 

The General Practitioner

The General Practitioner (GP, or Huisarts in Dutch) is almost always the first person to consult when facing health problems. Dutch GPs see a range of patients, from babies to pregnant women, adults and the elderly. The GP is familiar with a range of symptoms such as skin conditions, gynaecological problems, infections, psychological problems, airway problems, or problems with the heart, as well as headaches, stomachaches and sexual complaints.

The GPs can perform a number of tests themselves and can request a wide range of other tests, such as STD tests, pap smears, blood work, ECGs and X-rays. In the majority of cases the GP will treat the complaint directly, either by giving advice or prescribing medication. The GP also does minor surgery, such as treating wounds or doing sutures, and the placement of Intrauterine Devices (IUDs).

Be aware that the GP does not have any knowledge regarding dental problems; for these you will need to see the dentist!

If the GP is not able to do the diagnoses or treatment, you will be referred to a specialist in the hospital.

Your GP

All people in the Netherlands have their own GP or GP practice in which they are enrolled. In order to be seen by a GP, enrollment is a necessity. All TU Delft students can enroll at the SHP (Student Health Practice). This practice is conveniently located at the TU Delft Campus at Leeghwaterstraat 152 and in de city centre Kampveld 10 A.

You can enroll online HERE, or with the assistant at the Student Health Practice.

 

Medication

For certain painkillers and medication for the common cold, you do not need a prescription. Such medication can be bought at the supermarket or drugstore. Almost all other medication can only be found at the pharmacy (‘apotheek’ in Dutch), and you will need a prescription from your GP or specialist.

After hours GP service

Your own GP will be available from Mo-Fri from 08:00 – 17:00h. Outside these hours there is a GP service, which can be reached in the evening, night and the weekends. In Delft this so-called ‘huisartsenpost’ can be found near the hospital; Reinier de Graafweg 3A in Delft. You can reach the service at 015-2511930. It is also possible to do a consult by telephone.


Emergencies

In the case of severe accidents/disease you can reach the emergency services at 112. For less severe cases, call your own GP, or outside office hours, call the service: 015 – 2511930.

In the case of severe dental problems, you can find the attending dentist through this link: http://www.tandartsendienstdelft.nl/dienstarts.aspx

Referrals

A referral from your GP is mandatory in order to be either diagnosed or treated in the hospital. Without a referral, it is likely that the hospital bill will not be covered by your insurance.

No referrals are necessary for visits to the dentist, physical therapist, midwive or student psychologist. In case of severe accidents (such as car accidents) or severe medical conditions (ie. presumption of a heart attack) you can go directly to the Emergency Room at the hospital, without a referral.

Dentist

If you need a dentist you can get in contact with:

Dentalways
Beukenlaan 4-N
2612VC Delft
015-2154080

Centrum voor Mondzorg Tanthof
Victoriapad 1
2622 JC Delft
Tel: 015 2617103

For dental emergencies from Friday 18.00 p.m. - Monday 08.00 a.m. you can contact the dentist on duty. Click here to find his name and phone number.  

Health Insurance and costs

It is very important to make sure you have an adequate health insurance policy as medical treatment and medication are expensive. This insurance policy is personal. If you are not properly insured, you will have to pay the expenses yourself. However, health care does not cover all medical expenses. In general it does not cover a routine medical check up and dental care. 

Visits to the GP are always covered by your insurance. Patients with a foreign insurance company will need to pay the consultation costs up-front, but these will be reimbursed. The costs for a consultation are approximately 26 Euros.

 In general, costs related to examinations and admissions to hospital are also covered completely. However, there are also types of insurance that only cover examination and treatment of ‘new’ complaints. For example, if you already had diabetes before you registered with this insurance, all diabetic treatments will not be covered. It may also be the case that complaints that do not require emergency medical care are not covered, as you could have gone back to your home country for treatment. An example of this is cosmetic surgery.

Always read your insurance policy carefully - that way you will avoid nasty financial surprises.

Often, dental care and physical therapy are also not covered by your standard insurance package. Whether this is covered or not can also be found in your insurance policy.

It is mandatory for PhD students to have Dutch insurance. Dutch insurance companies work with an excess (‘eigen risico’ in Dutch). This means that the first costs will have to be paid yourself, to an annual cumulative maximum of 350 Euro. Consultations with your GP are not part of the excess, and are fully covered by the insurance.

Some examples to illustrate the excess:

In all of 2013, person A only goes to his GP once, to see what is wrong with his leg. The GP concludes there is no problem, so no further steps are taken. The insurer will not send a bill, as GP consults are completely covered.

In 2013, person B only does one STD test at the GP, the costs of which are 150 Euros. His insurer will send him a bill for 150 Euros.

Over all of 2013, person C gets a number of prescriptions, has blood work done, and gets an X-ray via the GP, the total costs of which are 360 Euros. The insurer will send a bill for 350 Euros.

Finally, in 2013, Person D is admitted to hospital, gets a number of examinations and gets surgery, the total costs of which are 11.000 Euros. His insurer sends him a bill for 350 Euros.

More info can be found at:

Healthcare insurance system

Information IPS

EU information on European Health Insurance Card

Information Aon

Information OOM  (Sucsez)

Payment of bills

  • A. General practitioners:
    Some doctors will expect you to pay immediately after your consultation; others will send you a bill. You can get a refund by sending the bill to your insurance company using a special claim form available from your insurance company. N.B. Higher fees will be charged for consultations and house calls during evenings and weekends.
  • B. Pharmacy:
    You have to pay for the medication yourself. It'll be refunded by the insurance company after you send them the bill and the special claim form.
  • C. Medical specialist, hospital, lab tests and x-rays:
    They will send you a bill. You'll have to send that bill to your insurance company, using a special claim form. Not all costs are covered by the insurance company. Check the policy wording of your insurance before you visit a medical specilalist. If you ar not sure get in contact with your insurance company.

At the end of your stay in the Netherlands you should contact your insurance company when you still have a claim that needs to be settled before you leave the country. You will only have limited time to claim the money via your bank account. This applies to the bills you have received from your GP or the pharmacy.

Summary

  • Consult a GP in case of illness, preferably during daytime. Immediate treatment at a hospital is possible in case of an accident or acute severe illness that needs ambulance transportation to hospital or on referral by your GP
  • There is a 24 hours GP service, after clinic hours from 8.00 a.m. to 17.00 p.m. for urgent cases.
  • Medication is available only on prescription by your doctor, except for a few selected self-care medicines.
  • Health insurance is important and personal. Other people are not allowed to be treated on your insurance policy.