Healthcare costs team
Healthcare costs team

You can approach the healthcare costs team with any queries pertaining to insurance or costs of treatment.

You can approach the healthcare costs team with any queries pertaining to insurance or costs of treatment

Please get in touch with the healthcare costs team if you:

  • are not insured (in this case you are obliged to get in touch with this team before the first appointment is made);
  • are insured by an non-Dutch health insurance company (in this case you are obliged to get in touch with this team before the first appointment is made);
  • have questions about the costs of the expected treatment prior to the treatment; for example because you have a budget policy and may not be reimbursed for all costs.


If you have a query for the healthcare costs team, please fill in the contact form.

Foreign patients

It is possible for foreign patients to visit our hospital, however there are a couple of conditions

First we need a clearly defined treatment request and a medical report with all the available information in English: diagnosis, diagnostic images (MRI, CT, X-Ray) and medical treatment, when known or preformed. You can send the medical report to: The physician decides whether the UMC Utrecht is the right place for your care needs.
If you have a health insurance in your home country, you need to contact the insurance company and arrange a Guarantee of Payment or S2 form for your treatment in the UMC Utrecht.
When you don’t have a health insurance or when you can’t arrange a Guarantee of Payment, we have to construct a price indication. The price indication needs to be fulfilled before the first consultation.

European Health Insurance Card

The European Health Insurance Card (EHIC) gives you access to state-provided healthcare in emergency cases during a temporary stay in any of the 28 EU countries, Iceland, Liechtenstein, Norway and Switzerland. When you can show this card when you visit the Emergency Room you don’t have to arrange a Guarantee of Payment or pay a price indication for your treatment. However, this card is not sufficientfor planned care. You can find more information about the EHIC-card on the following website

Price indication

Patients with no (Dutch) health insurance have to pay a price indication in advance before any treatment or consultation can take place. . We explicitly emphasize that the price indications are estimates. This means that eventual costs can deviate, depending on the actual activities performed. When the treatment is completed, occasional deviations will be processed and recalculated.
You can transfer the money to our bank account or pay the treatment by card at our desk before your appointment. You can find us at the main entrance, at the patient desk called: ‘inschrijven patiënten’.

Diagnosis Treatment Combination (DTC)

In the Netherlands hospital care is funded on the basis of diagnosis treatment combinations (DTC care products). The hospital charges those DTC care products to either the insurer or the patient. The hospital also charges these DTC care products to foreign patients, as required by law. A DTC will be opened at the day of the first face-to-face contact, most of the times it’s at the first outpatient consult. In this DTC care product, the care provider records the activities performed for making a diagnosis and treating a disorder. DTC care products are total care packages that are commonly used for a particular treatment. The price for this particular DTC care product is the average of all healthcare costs related to that kind of diagnosis and treatment. The first DTC will be opened for 90 days, but there are acceptations for how many days the DTC’s will be stay opened. When needed, a second DTC will be opened. The following DTC’s will be closed after 120 days, but also for follow-up DTC’s there are acceptations for how many days the DTC will be stayed opened.
The healthcare insurer with which the patient was insured on the first day of the DTC (DTC start date) is the healthcare insurer who pays the DTC invoice (if the patient is insured for that care).
So it is possible when you have changed your healthcare insurer, that the old healthcare insurer receives an invoice.

Dutch (budget) health insurance

’Restitutie’ insurance

If you choose a ’restitutie’ or non-contracted care insurance package this means that you are free to choose your preferred healthcare provider. This is also called free healthcare choice or free choice of physician. You are then free to attend any hospital, clinic or physiotherapist in the Netherlands. You send the bill to the insurer or you pay the bill in advance and claim a refund.


If you take out a ‘natura’ or contracted care policy you have to choose from a list of healthcare providers and/or specific treatments with whom your healthcare insurer has a contract. This is also referred to as ‘contracted healthcare’. If you visit a hospital, your healthcare insurer will only pay the full hospital costs if arrangements have been made regarding this treatment with the hospital you want to attend. If you attend a hospital for which your healthcare insurer has made no arrangements, you will be expected to pay (a portion of) the costs yourself.

Budget insurance

With a budget insurance package, you will also be offered a contracted healthcare option. But there is a clear difference. With the budget insurance option, the number of hospitals and healthcare providers you can visit is more limited. This could mean that you cannot visit your local hospital for any treatment, without paying a contribution yourself. However this does not apply in the case of an emergency, when you have a referral from another hospital (tertiary referral) or obstetrician healthcare: in such cases you may visit any hospital.
Patients will be refunded in part by their healthcare insurer in respect of non-contracted healthcare. The arrangement provides that in all cases, about 75 per cent of the treatment costs will be paid by the healthcare insurer. Even if the hospital providing the treatment has no contractual arrangement with the healthcare insurer. The healthcare insurer’s rate in such cases will be in line with the market rate. These are set by law and apply equally to a budget policy. With budget policies, fewer contractual arrangements are made with healthcare providers. Therefore, patients with a budget policy will have a greater chance of having to pay part of the bill compared with those with a contracted care policy.
Check your insurer’s website to see if the UMC Utrecht is covered under your policy. Always check with your insurance company to see if the treatment is covered.