Is your treatment covered?
Always check whether your health insurer has a contract with Erasmus MC, or you may have to pay for all or part of the medical costs out of pocket.
Hospitals negotiate with health insurers on price, volume and quality. Your health insurer is not obliged to enter into a contract with all hospitals or to source all care, which means that some of your medical costs may not be reimbursed. If your health insurer does not have a contract with Erasmus MC, you may have to pay for all or part of the medical costs out of pocket. If your health insurer does have a contract with our hospital, it will depend on your health insurance policy whether all costs will be reimbursed.
A very inexpensive health insurance plan usually means that you will only be welcome at a limited number of hospitals. Your health insurer has made specific financial arrangements with these hospitals, resulting in lower premiums.
Always carefully check your policy terms and conditions with your insurer to avoid being faced with treatment costs afterwards. Erasmus MC only has access to information on your health insurer and not on the type of policy you have. This is private information between patients and health insurers.
Treatment without a contract
If your health insurer does not have a contract with Erasmus MC but you wish to be treated by us, we charge list prices. You will then need to make an advance payment prior to treatment, which will be deducted from your final bill.
Emergency care provided by the Emergency department and the Obstetrics department will always be reimbursed, even if your health insurer does not have a contract with Erasmus MC. The costs will, however, be subtracted from your policy’s deductible. If your condition is not life-threatening, go to your GP or (at night, weekends or on public holidays) the emergency GP service (huisartsenpost). The costs of these services are covered by the mandatory basic health insurance. You will not need to pay a deductible. If required, you will be referred to the hospital.
Mandatory basic health insurance
Most hospital care is covered by basic health insurance. This care is reimbursed by the health insurer; the hospital will bill your insurer directly.
The government determines what is included in the basic health insurance package. However, coverage and terms & conditions may differ between various health insurers. Therefore, always read the terms and conditions of your insurance policy to verify that your medical care is covered by the basic health insurance package and to ascertain how much will be reimbursed.
The hospital will send the bill for hospital care to the health insurer where you were registered on the date that treatment was started. This starting date determines which health insurer will receive the bill.
You will pay a calendar-year deductible for most of the care covered by the basic health insurance. The deductible will be set off by the health insurer against the medical expenses you incur. This deductible is mandatory for anyone aged 18 and over from the day they turn 18. Out-of-pocket payment may apply to some care under the basic health insurance package. This personal contribution is totally separate from the deductible.
If you require medical care that is not (or not fully) covered by basic health insurance (uninsured care), you may have to pay all or part of the medical costs yourself. If you have supplemental health insurance coverage, these medical care costs may be fully or partially reimbursed. Additional information on your supplemental health insurance can be found in the policy terms and conditions.
You will require prior authorization for some types of care. We will request authorization from your health insurer. Depending on the insurer’s response, we will decide, in consultation with you, whether to proceed with the treatment. If the health insurer denies the request and you wish to go ahead with treatment anyway, you will have to pay the full cost out of pocket. In this case, we will charge list prices. You will then need to make an advance payment prior to treatment, which will be deducted from your final bill.
If you are uninsured
Everyone living or working in the Netherlands is legally required to take out health insurance. If you are uninsured despite this legal obligation, you will still need to take out basic health insurance. If you fail to do so and wish to undergo treatment at Erasmus MC, you will have to pay the total medical expenses incurred out of pocket. In this case, we will charge list prices. You will then need to make an advance payment prior to treatment, which will be deducted from your final bill.
- Also see the frequently asked questions on health insurance and coverage of medical costs.