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Semua orang yang tinggal atau bekerja di Belanda wajib memiliki asuransi kesehatan dasar. Ini adalah persyaratan hukum, ya. Asuransi dasar ini mencakup sebagian besar perawatan kesehatan yang dibutuhkan, termasuk kunjungan ke dokter umum (huisarts), perawatan di rumah sakit, obat-obatan yang diresepkan, dan beberapa jenis perawatan spesialis. Premi asuransi dasar dibayarkan setiap bulan, dan besarannya bervariasi tergantung pada perusahaan asuransi yang kamu pilih. Namun, pemerintah mengatur premi ini agar tetap terjangkau. Selain premi bulanan, kamu juga harus membayar “eigen risico”, atau risiko sendiri. Ini adalah jumlah yang harus kamu bayar sendiri setiap tahun sebelum asuransi mulai membayar. Jumlah “eigen risico” ini bisa kamu pilih saat mendaftar asuransi, dan biasanya berkisar antara 385 euro hingga lebih tinggi. Semakin tinggi “eigen risico” yang kamu pilih, semakin rendah premi bulanan yang harus kamu bayar. Tapi, ingat, kalau kamu sering sakit, mungkin lebih baik memilih “eigen risico” yang lebih rendah, ya.
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