";s:4:"text";s:12181:" If fire breaks out, or your business premises are burgled, this could bring about a considerable loss. Insurance in the Netherlands is regulated by both the Dutch Central Bank (De Nederlandsche Bank – DNB) and the Netherlands Authority for Financial Markets (Autoreteit Financiele Markten – AFM). For example, a client may hold you responsible for the delivery of defective goods or for not having performed services correctly. Private health insurance. Expat-friendly Dutch insurance brokers include: Health insurance in the Netherlands is mandatory for all residents and you must register for an insurance scheme within four months of arriving in the country. When you get travel insurance with Blue Cross, you can expect to pay only for what you need. As a result of this, customers can avoid the problems of overlapping insurance plans. Lemonade brings insurance into the 21st century, letting you take out liability and contents coverage in minutes. Note: every time you select a filter, the comparison program will find the cheapest health providers in your situation, and sort them by monthly premium. In the Netherlands, you are not obliged to insure against any risks that you run as a result of having a company. Plans available to residents of: Netherlands Change country/region Worldwide Health Options. In the Netherlands, there are a few insurances that are compulsory.
Policy terms and conditions & Insurance Product Information Document (IPID) Please note that especially larger companies and organisations usually apply their own GTC and may, therefore, be unwilling to accept yours. You may change your settings at any time. This insurance covers essential medical care, such as: An insurance premium is to be paid to the insurance company every month. On their easy-to-use English app, you'll be able to buy and manage your cover from the comfort of your own phone. The Netherlands is part of the Schengen area, which comprises 26 European countries that share common visa rules, allowing you to travel within these countries without needing additional travel visas or documentation. These offer premiums tailored to expat and include: See our guide to health insurance in the Netherlands for more information. While certain insurances are compulsory, you do have the freedom to choose the provider. For example the residential premises insurance (opstalverzekering) for those who want to buy a house and need to take a Dutch mortgage. Ensure you have adequate insurance in place. Physiotherapy: covers a certain amount of physiotherapy treatments per year. Get a insurance quote for Netherlands, Canada's #1 travel insurance brand and recognized worldwide, $5 million travel insurance coverage, with or without deductible, Flexible and affordable travel insurance solutions, Travel assistance available 24/7 for any emergency, anywhere you travel. Tourist, business and student visas are not required for trips of up to 90 days. EXPAT FOCUS HELPS OVER 30,000 EXPATS FIND THE RIGHT INSURANCE FOR THEMSELVES AND THEIR FAMILIES EVERY YEAR - GET YOUR OWN QUOTES TODAY. Extra coronavirus measures for Amsterdam, Rotterdam and The Hague. Types of insurance available in the Netherlands. However, the person whose name is on the insurance remains legally responsible for any damage. Contact us today or get a free travel insurance quote online for your next trip. The basic insurance plan is already quite extensive and is more or less equal for all health insurance companies. As a rule of thumb, this tends to be 80% of income.
This will cover you in the event of accidents or injuries to third parties that occur in your home, plus it will also cover you against any damage caused by your property (e.g., dislodged roof tiles hitting a neighbor’s car). Just under half of the Dutch population have some form of legal expenses insurance. For comprehensive coverage, there is the all-risk policy (allriskverzekering) which covers all damage. However, only a few are legally necessary. One other home-related insurance you might want to consider is liability insurance. Many people also take out additional insurance to cover them against health risks. We show you carefully selected companies before being included in this directory. Compare car insurance Independer. Worldwide Health Options is our flexible health insurance plan.
In the Netherlands, insurance policies cover the car rather than the driver. Of every insurer you find more information about their products, the latest forum posts, news and experiences of other customers. Monthly premium of health insurance in the Netherlands in 2020, by brand and policy. Before starting up a company in the Netherlands, evaluate the possible risks in your line of business. Your choices will not impact your visit. In response to the outbreak of coronavirus, we have temporarily closed our mobile branches. Dental insurance: covers dentist treatments up to a certain amount/percentage. Our call centre is run by experts, ready to answer all your questions regarding Dutch medical insurance. It is then wise to compare policies, fees and premiums before choosing an insurance company.
Why have I received a letter from the Centrale Administratie Kantoor (CAK)? In addition, the Tax Administration collects an income-related contribution on top of the standard premium. Dutch car insurers include: You can compare these insurers and more on comparison websites, including Pricewise, Independer, and United Consumers websites. You may also have to compensate for damage caused to your client’s property while working for him, or employees might claim loss of income if they can no longer work due to an accident while working for you. Not all legal assistance is covered by legal expenses insurance, so check with the insurer which type of disputes are included and which costs will not be reimbursed. Life insurance (levensverzekering) provides financial security for family members in the event of your death. However, there are other insurances that you are not obliged to take out but you are highly advised to. This comes in two forms: private and voluntary. Most companies will be able to offer health insurance and life insurance to suit your needs. Protect your home and belongings instantly with Lemonade. For example, insurance premiums are worth around 9.2% of the country’s GDP and there were 155 Dutch insurance companies operating at the end of 2017. We are the first Dutch healthcare insurance broker for expats and students from abroad. Full-time independent entrepreneurs must have coverage in the form of compulsory invalidity insurance. For example term life insurance (overlijdensrisicoverzekering) and funeral insurance (uitvaartverzekering). Business liability insurance covers the damage occurred while running a business. This compensation will increase with several euros in 2020. If your business transports the goods itself, take out insurance for covering the risks during transportation. Applying is easy, personalized and can be done within 5 minutes. Industrial accidents and occupational diseases. However, smaller insurers like Lemonade offer English-speaking coverage, making the sign-up process significantly easier. This insurance is called WA (Wettelijke Aansprakelijkheid) in Dutch. The voluntary ZW insurance pays up to a maximum of 104 weeks (two years). AFM: 12044266 - A standard home insurance policy covers fire, storm, flood, and theft. You can find out more about social insurance, including costs and benefits, in our guide to social security in the Netherlands. At Independer you can compare over 75 car insurance from 50 different insurers. If you buy an apartment, the Association of Owners (VVE) generally arranges a home insurance plan. If you are a tenant renting a property, you should find out the details of your landlord’s insurance policy before arranging your own cover. Claims arising from breaches of contract are also not eligible for compensation from the insurance company. These include not having any income if they’re unable to work due to illness or an accident, or being held responsible for mistakes or damage caused by their company. In addition to this, there are many optional forms that may be recommended depending on your personal circumstances. It will protect your financial investment in your trip. You risk a … You risk a fine if you wait too long. You may also be required to show proof of a return ticket and funds, and you may be asked about your travel plans. Further information is available from the UWV website: www.uwv.nl. Generally speaking, these are the different types of insurance available in the Netherlands: All residents of the Netherlands are required to take out basic Dutch health insurance. Again, you’ll have plenty of options when it comes to choosing a premium. Health insurance Every person who lives or works in the Netherlands is legally obliged to take out standard health insurance to cover the cost of, for example, consulting a general practitioner, hospital treatment and prescription medication. Consequently, around 85-90% of the Dutch population has this insurance. This site uses functional cookies and external scripts to improve your experience. You can choose which type of situations to insure against, such as road accidents, employment disputes, or family issues. Read on! The legal drinking age is 18, and you must be 18 to drive; an international driving permit is recommended. An overview of health insurance in the Netherlands including healthcare coverage, insurance providers, basic & additional insurance and eigen risico. KvK: 64810372, Visits and treatments by a general practitioner. With this in mind, analyse the existing risks, take out proper insurance and check the conditions of the policy carefully. If you are involved in the long-distance selling of products or services in the Netherlands (e.g., selling via the Internet, by telephone, by fax, or by post) you must comply with rules such as the business’ obligation to provide information and the customer’s right to return what he or she purchased. From the moment you have a BSN, you have four months to apply for a health insurance in The Netherlands. Female entrepreneurs may claim a pregnancy and maternity benefit for a minimum of 16 weeks. It is then wise to compare policies, fees and premiums before choosing an insurance company. All goods and products you hold are at your own risk. Note: some health insurance companies have a dedicated page for English speaking customers. You can enroll for state-provided voluntary employee insurance through the Dutch Employee Insurance Agency. Expat Focus recommends Cigna Global and Foyer Global Health for expat health insurance in Holland. Most importantly, this includes damage which was your fault. Businesses widely accept credit cards and traveller’s cheques. Hospital care and other medical care, operations and treatments performed by doctors and physicians, such as surgeons, paediatricians, cardiologists and oncologists. If you want to increase your level of car insurance, you can opt for a limited extension (WA Plus). Aon has more than 25 years of experience in student insurance. If your work is poor quality and the client claims compensation, you cannot recover this from your insurance. However, you can take out a business insurance to cover some of these risks on a voluntary basis via an insurer. Dutch health insurers include: In addition to these, there are several international private health insurers operating in the Netherlands. Select ‘free choice’ in the ‘hospitals’ section of the filter if you wish to select your own hospital and care provider. However, this is only if coverage provided is equivalent to Dutch insurance coverage and your foreign insurer allows it. Find out all about insurance in the Netherlands, including which types are legally required and other forms of insurance available to those moving to the country.