Health Insurance in the Netherlands for salary coming from aboard

Angelika333 wrote:

It does exist. Under certain circumstances, as described in the Dutch law on health insurances.

Excellent news - do you have a link that we can go to?

TBUK wrote:

And OOM offers 6-month insurance which works for me but doesn't offer help for an existing condition. So, you're saying it doesn't exist that I can't get any medical attention for my current condition because my salary is from aboard? It doesn't make any sense to me.

That is strange by law you will recieve a normal "basisverzekering" and it shouldn't matter what your existing condition is (also in the law).
Too bad the OOM website is offline for the moment, so we can't read the existing requirments. I think the smartest thing to now is call them and ask about the requirements and your situation.

TBUK wrote:

Hi,

I appreciate your reply and assistance. I am actually registered with my municipality, but I didn't think this made a difference?

It makes a difference because without registration, you don't get a BSN number, without which, you can't get health insurance (or work).  There is also a link to an Employers contribution of 6.7% of your salary to Health Insurance which someone, somewhere may be interested in.

Without going through it all; the law in the Netherlands says that insurance companies that insure you under the Dutch Health Insurance scheme cannot exclude you for pre-existing conditions.

The OOM 90 day policy is known as the Schengen policy (I guess because it's linked to the maximum duration of a Schengen visa - 90 days) - you can read about it here (link).  Interestingly there are no pre-existing conditions limits, only that you declare if you are sick enough to require hospital admittance which I suspect may be an issue.

OOM also offer other policies (link); there is no mention of pre-existing conditions, my advice would be to pursue this further with them.

It's worthy of note that in general Dutch medical insurance only covers certain things, many are "extras" and all prescriptions require at least a contribution from the Insured; not all are the same, so it's worth checking around if you're about to have a baby, or you need sport injury treatment.

I notice also conversations about which database, RNI is mentioned.  "RNI" and "Registration" are one of the same thing, they are identical in requirements, the only single difference is that the RNI is for people who have no intention of ever living/working in the Netherlands permanently (like the OP); it has become known as the "Temporary Database" in the Expat Community - it's interesting to know that not every Gemeente offer this facility - where I live (Enschede) is an example of such a Gemeente that does not offer RNI - we all go on the same database there.  Registration is the process under which, by law, you have to register with the Gemeente within 5 working days of arriving in the Netherlands, there are requirements which I'm not going to get into except to repeat, the requirements of both RNI and Registration are the same, there is no benefit to being on one, it doesn't exempt you from any little bits of Dutch residence laws, or paying taxes, health insurance or whatever.  It's meant to offer people like the OP the ability to get things like ................. Health Insurance, register a car, register with a doctor/dentist.  Before anybody says "what about those that change their minds and then want to stay"; the system copes with that, you still have to go through IND etc, but to repeat, IT'S THE SAME DATABASE - they just tick a different box - it helps civil servants count people, it's what they do.

Hope this helps.

Cynic
Expat Team

Cynic wrote:

Hi again.

Interesting; it doesn't change a thing that I said, but thank you.  I know that the system says 4 months, but there are people who have been on it longer, at least that's what they tell us; it's what the OP is telling us.

Voting in municipality elections for RNI residents is for EU citizens only; it is opened to non-EU citizens once they are legally resident in the Netherlands for over 5 years, which by definition means they are no longer on the RNI.

I agree - in every case I would not register on the temporary database, it has the same requirements and seems to cause a lot of fuss.

I now see the kind of insurance the original poster meant, it's the OOM Schengen Foreigner Insurance. As I read it right it's only for guests who stay for three months within the Schengen accord see: OOM Schengen Visitor Insurence

I really do not know what kind of insurence the OP needs in his situation. My advise would still be call OOM Insurences and ask your questions.

Ramses K. wrote:

TBUK wrote:

And OOM offers 6-month insurance which works for me but doesn't offer help for an existing condition. So, you're saying it doesn't exist that I can't get any medical attention for my current condition because my salary is from aboard? It doesn't make any sense to me.

That is strange by law you will recieve a normal "basisverzekering" and it shouldn't matter what your existing condition is (also in the law).
Too bad the OOM website is offline for the moment, so we can't read the existing requirments. I think the smartest thing to now is call them and ask about the requirements and your situation.

Hi Ramses,

Yes, I called them, and they said even if I had a headache today, and received the insurance tomorrow, they wouldn't be able to treat it. Which I find pretty insane ...

Angelika333 wrote:

OOM Schengen insurance does not cover costs of existing conditions, even if you had this condition without knowing it. They are extremely strict in those matters. It also does not cover the costs of pregnancy and some other events.

Yep, they said this, and I asked for other options, which he said they had nothing. What about international insurance? I am still looking for ideas on how to insurance myself (which I am surprised is so difficult) in the Netherlands and I have been in the Netherlands for over 2 months.

Best,
T

Ramses K. wrote:

Only logical if you are a guest in this country for only three months.

They offer up to 6 months with the visitor insurance, which is the only insurance they would offer with a salary from aboard

Cynic wrote:

Did you try the link that Angelika provided; I'll repeat it here in case you missed it (link).

Hi, Thank you! Yes, I checked it out, but I was struggling to navigate through:

'Look on geld.nl/zorgverzekering, click on zorgverzekering buitenlander and put on google translate.'

I was struggling to find where 'zorgverzekering buitenlander' was on the website? When i put my details in, it just takes me to a compare website of companies such as zilveren krius (which won't insure me)..

Thank you!

Angelika333 wrote:

Am at work now, but I will look if I can send you a more specific link. The info is there, on the website, but maybe not clear to non-native speakers

Thank you! Yes, I struggled to navigate through, even with google translate.

Angelika333 wrote:

It is not possible to copy this link, but go to the OOM website and look for those words : "OOM voorlopig verblijf Nederland verzekering". They are written in light blue and when you click on them, you find the info about this product.

Try this link.  Google translate copes with it OK.

You can also get to it by putting "OOM voorlopig verblijf Nederland verzekering" straight into a Google search.

Angelika - thank you so much for your assistance.

Hope this helps.

Cynic
Expat Team

Cynic wrote:

Angelika333 wrote:

It is not possible to copy this link, but go to the OOM website and look for those words : "OOM voorlopig verblijf Nederland verzekering". They are written in light blue and when you click on them, you find the info about this product.

Try this link.  Google translate copes with it OK.

You can also get to it by putting "OOM voorlopig verblijf Nederland verzekering" straight into a Google search.

Angelika - thank you so much for your assistance.

Hope this helps.

Cynic
Expat Team

Thank you both for your assistance here, but OOM said they would insure me, but wouldn't deal with an on-going issue I had. I asked him if they any insurance of the kind, and he said no.