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If you are living in the Netherlands without a valid residence permit, you can’t take out health insurance.
You are, however, entitled to medically necessary care, even if you can’t pay for it.
If you have HIV or another STI, the treatment comes under medically necessary care.
More information about access to healthcare for undocumented individuals.
More information about these and other patient rights: Anybody living or working in the Netherlands is required to have basic insurance cover.
This basic insurance covers the standard care and costs of a GP, hospital or pharmacy, for example.
This contribution is called the healthcare allowance.You can also take out cover for additional care that is not part of the basic cover.You pay a contribution to your health insurance company for this insurance. This means that you have to pay the first EUR 385 of the basic package yourself.An important right, for example, is the right to privacy.This means that information about your health cannot be shared with others without your permission. If you are found to have HIV or another STI, a doctor cannot share this information indiscriminately.
You will first of all be asked to pay the costs yourself.