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Netherlands

NL

Healthcare System

Unique system introduced by the Zorgverzekeringswet (Zvw, 2006): every resident must purchase basic health insurance from private insurers. Government defines and subsidizes the basic package (basispakket). Supplementary insurance (aanvullende verzekering) is optional. Premiums are community-rated (same premium regardless of age or health status). Income-dependent contribution (Zvw-premie) paid via payroll tax funds risk equalization between insurers.

System Type
Universal mandatory private insurance (hybrid model — neither Bismarck nor Beveridge)
Regulatory Body
CBG (College ter Beoordeling van Geneesmiddelen) / NZa (Nederlandse Zorgautoriteit)
Data Protection
GDPR (EU) + AVG (Algemene Verordening Gegevensbescherming)
Currency
EUR
Emergency Number
112
Languages
nl

Coding Systems

diagnosis

ICD-10 (Dutch translation)

WHO ICD-10 with Dutch clinical modifications and translations. Maintained by CBS (Statistics Netherlands) for epidemiological coding. Hospitals use ICD-10 for DBC classification.

dental

FDI (ISO 3950)

Federation Dentaire Internationale two-digit notation

dental Procedures

NZa dental tariff codes

Dutch dental procedure codes maintained by NZa, separate from FDI tooth notation

procedures

DBC-DOT

Diagnose Behandeling Combinatie — Op weg naar Transparantie. Episode-of-care procedure bundles combining diagnosis + entire treatment trajectory into a single code. Maintained by DBC-Onderhoud. Each DBC represents a complete episode, not individual procedures.

drugs

G-Standard (Z-Index)

7-digit pharmaceutical identifier maintained by Z-Index (now part of VIP Nederland). Part of the G-Standard (Geneesmiddelgegevensbank) — the Dutch national drug database used in all prescribing and pharmacy systems.

Translation Corridors

TR→NL (Turkish diaspora medical records for Dutch insurers) MA→NL (Moroccan community health records) NL→DE (border care, German frontier workers in Netherlands) NL→BE (Benelux cross-border care) NL→US (Dutch expats on US employer insurance) NL→AU (Dutch migrants to Australia) SR→NL (Surinamese family reunification medical records) ID→NL (Indo-Dutch community records)

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