You must pay the hospital bill or part of it yourself in the following situations:
- to settle up the compulsory deductible or excess amount (eigen risico)
- if the treatment requires you to pay a personal contribution (eigen bijdrage)
- if the treatment qualifies as 'uninsured care'
- if you have not been referred for a hospital appointment (e.g. by your GP or another specialist) and are consulting a hospital physician on your own initiative.
The NIPT (Non-Invasive Prenatal Test) is a blood test to screen pregnant women for the risk that their infant will be born with Down, Edwards or Patau syndrome. Since April 2017, any pregnant woman may choose to undergo an NIPT. The hospital charges a personal contribution of € 175 for this test.
Deductible or excess (eigen risico)
According to the Dutch Health Care Insurance Act, everyone 18 years and older must pay a deductible or excess amount (eigen risico) towards their medical expenses themselves before their basic compulsory health insurance package will cover any further costs. In other words, you pay for part of the care that you receive yourself. In 2018, the compulsory minimum deductible was set at € 385. You can choose to voluntarily cover a maximum of € 500 in medical costs on top of the compulsory deductible. In return, your health insurer will lower the monthly insurance premiums that you pay for your basic health insurance package. Remember, however, that you will have to cover up to € 885 of your medical expenses yourself before your insurance company pays for the rest.
Some types of medical care are exempt from this rule. You do not have to add the cost of the following to your deductible or excess:
- visits to and treatment by your GP (including the out-of-hours medical service or huisartsenpost)
- obstetrics and maternity care
- care involving children under the age of 18
- care covered by your additional insurance policy
- preferred medicinal drugs (if two versions of the same drug have the same active ingredient and are equally effective, the preferred drug will be the less expensive of the two)
- care related to chronic conditions (type 2 diabetes, COPD and CVR)
- chain care (care related to chronic conditions delivered by several different care-providers)
- medical aids or devices on loan
- district nursing
- for kidney and liver donors, post-surgery checkups
- travel expenses for organ donors.
Besides the deductible or excess, your health insurer may require you to pay part of the cost of treatment yourself. Whether that is the case and how much you have to pay depends on any additional health insurance you take out. That is why before undergoing treatment, you should take a look at the terms of your insurance policy or contact your health insurer for information.
When will I receive the hospital bill?
Maastricht UMC+ will send you a bill if you have received 'uninsured care'. Uninsured care is care that is not covered under the basic health insurance package and that may or may not be covered by your additional health insurance, depending on the terms of your policy.
Then you pay the bill yourself. If you wish to consult a specialist or undergo a test at the hospital, you must ask an authorised care professional for a referral. If you ask to consult a specialist without having a referral, then you will receive the bill and must pay it yourself. Authorised care professionals include GPs, medical specialists, sports physicians, occupational physicians, optometrists (for referrals to ophthalmologists), dentists/orthodontists, obstetricians/midwives and specialist nurses.