Costs, billing & Insurance

Frequently asked questions

How are the rates for treatment at the hospital calculated?
In the Netherlands, hospitals charge for hospital care based on 'DTC care products' [DBC-zorgproducten]. 'DTC' stands for 'diagnosis and treatment combinations'. This means that if you are treated in a Dutch hospital, you are not charged separately for each scan, injection, or act of treatment you receive. Instead, you are charged the rate for the overall treatment (the 'DTC care product'), which is based on the average cost of such treatment. In other words, the amount you are charged for treatment is not necessarily a total of the actual costs of treating you. DTC products are care packages that are generally used for treating a certain condition, such as a broken arm. The price for this DTC care product is the average of all costs incurred for patients with a similar fracture. In other words, it does not matter whether your arm is x-rayed once or five times. A patient whose treatment occurred largely outside the hospital may therefore consider the cost of his or her care to be rather high. The opposite situation could also arise, however; the treatment for which a patient is invoiced may actually have cost many times more than is reflected on the invoice.

Will my health insurance company pay for my treatment at a Dutch hospital?
This is a question you must ask your health insurance company. The payment depends on various factors, including whether your treatment is insured. Whether your health insurance company pays for your treatment will also depend on the health insurance policy you have purchased from your health insurance company. Given this, you should always contact your health insurance company before receiving treatment.

Can I go directly to a Dutch hospital or do I need a referral?
You always need a referral to receive specialised medical care at a Dutch hospital. Your general practitioner will only give you a referral if it is medically necessary. If you do not have a valid referral, you will be responsible for paying for any specialised care you receive.

When will I have to pay for all or part of my treatment?
There are several cases in which you will pay for all or part of your treatment. Which cases these are depends on the terms and conditions of your health insurance policy. The part you pay yourself may regard your excess (also known as a 'deductible', which is the part of your treatment you must pay for yourself before your health insurance pays for the rest) or if you receive care for which you are not insured. You will also have to pay for any specialised care you receive at a hospital without a referral from a general practitioner or other medical specialist.

When will I have to make an advance payment relating to treatment?
Upon admission to the hospital, Maastricht UMC+ generally asks for advance payment from patients who:

  • cannot prove that they have purchased health insurance.
  • are residents of another country, unless they can submit a valid international direct debit order from their insurance company. This does not apply to emergency care.
  • will be given care for which they are not insured (such as eyelift or breast augmentation surgery).

What is the hospital's bank account number?
You can pay your invoice by depositing the amount in the following Maastricht UMC+ bank account:

What is the hospital's IBAN code? What is the hospital's Swift address?
To make payments from abroad, you will need the IBAN code and Swift address used by azM/Maastricht UMC+:

  • IBAN code: NL 11 INGB 0654 8526 42
  • Swift address: INGBNL2A

Can I also pay my invoice in cash or by credit card?
You can also pay your invoice in cash or by credit card. To do so, go to the 'Servicebureau Facilitair Bedrijf' on level 1, near 'Poliplein'. This service desk is open on weekdays from 8.30 a.m. until 4.30 p.m.