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Costs

Midwifery care is the care for the mother (to be) and her baby before and during the pregnancy and after the delivery. Midwifery care is part of the base package of the Healthcare insurance. This means that the costs for the midwife, obstetrically active general practitioners, gynaecologist, and maternity assistant are covered by the basic healthcare insurance.

What is covered by the basic healthcare insurance?
The basic insurance covers the care that mother and baby need before, during, and after the delivery. In your health insurance policy you can read what care is covered by your healthcare insurance. Moreover, the type of policy determines whether or not you may choose your healthcare provider yourself. The costs of the care related to your pregnancy may be charged to your mandatory deductible excess. There are also healthcare services and treatments for which you need to pay a personal contribution. For example, medicine and transportation costs. Antenatal classes are not covered by your basic healthcare insurance. Some health insurers offer cover through a supplementary insurance.

Please note:

  • Make sure to check with your own healthcare insurance what is covered by the basic insurance, which exams and treatments are covered when medically indicated, and what you can take out supplementary insurance for.
  • Also inform which healthcare suppliers and organisations your healthcare insurer has contracted and under which conditions. This may prevent a lot of unpleasant surprises.

Reimbursement of care during your pregnancy

The costs for midwifery care during the pregnancy are part of the base package of the healthcare insurance, like pregnancy check-ups with your midwife. The ‘20 weeks ultrasound scan’, which you get offered by default is also covered by the basic healthcare insurance.

Check the schedule for reimbursements

Laboratory examination Deductible excess Condition
Blood test Yes Regarded as indirect costs
Prenatal diagnostic
Counselling conversation
– information & advice
No Offered by default – covered by the basic healthcare insurance
General term ultrasound scan No Offered by default – covered by the basic healthcare insurance
20 weeks ultrasound scan (SEO) No Offered by default – covered by the basic healthcare insurance
All other ultrasound scans medically required No Medical indication required
Advanced Ultrasonic Examination (GUO) No Medical indication required
Probability test
Combination test No Only if medically indicated. Without medical indication there IS a personal contribution of =/- € 165,-
NIPT Yes Medical indication required or if a combination test indicates an increased chance of a foetus with a chromosomal abnormality. From 1 April 2017 every pregnant woman can take a NIPT. In this case there is a personal contribution of € 175,-
Diagnostic test
Amniocentesis No Medical indication required or if a combination test indicates an increased chance of a foetus with a chromosomal abnormality.
Chorionic villus sampling No Medical indication required or if a combination test indicates an increased chance of a foetus with a chromosomal abnormality.

Check the website of Zorginstituut Nederland and the RIVM for more information about the reimbursements for prenatal screening.

Please note:

  • Always check with your own healthcare insurance what is covered by the basic healthcare insurance, what examinations and treatments require a medical indication, and what you can take out supplementary insurance for.
  • The midwifery pregnancy guidance is charged to the healthcare insurer you are insured with at the time of the intake with the midwife. Ultrasound scans, examinations etc. will be charged to the healthcare insurer you are insured with at the time this activity is carried out. Therefore it is important to take out any supplementary insurance early on.
  • Also inform which healthcare suppliers and organisations your healthcare insurer has contracted and under which conditions. This may avoid a lot of unpleasant surprises.

Reimbursement of care around the delivery

The midwifery care during the delivery is completely covered by the basic healthcare insurance. Whether or not you have to pay a personal contribution depends on where you give birth and if you have a medical indication. For a delivery in a hospital you need a medical indication.

Check the schedule for reimbursements

 

Location Personal

Contribution

Condition
Home No No medical indication
You have a home delivery with your midwife
Birth Centre/Hospital (outpatient) Yes No medical indication
If you would like to give birth in the hospital or a birth centre (outpatient), you have to pay the statutory personal contribution of €333,46. You can take out a supplementary healthcare insurance for this. If your delivery starts out normal and the midwife provides a medical indication at a later stage, then this contribution no longer applies.
Birth Centre/Hospital (outpatient) No Social/ medical indication.
For example, you want to give birth with  pain relief like laughing gas, epidural, pethidine or remifentanil.
Hospital No Social/ medical indication. The mother’s and/or baby’s health needs to be monitored for medical reasons. This is to prevent potential risks.

Check the website of Zorginstituut Nederland for more information about reimbursement of care around the delivery.

Please note:

  • Always check with your own healthcare insurance what is covered by the basic healthcare insurance, what examinations and treatments require a medical indication, and what you can take out supplementary insurance for.
  • Also inform which healthcare suppliers and organisations your healthcare insurer has contracted and under which conditions. This may prevent a lot of unpleasant surprises.

Reimbursement of care after the delivery

Maternity care is the assistance of a maternity assistant:

  • During the delivery (in addition to midwifery care by the midwife) and
  • To the mother and the baby during the maternity period (support, care, information, and instruction)

Check the schedule for reimbursements

Maternity care belongs to the base package of the Healthcare insurance, namely a minimum of 24 hours and a maximum of 80 hours, spread over ten days at most. Counted from the day of the delivery. Maternity care is available after every delivery, but the location of the delivery impacts the maximum number of days you may be provided with maternity care. The number of reimbursable hours is dependent on your situation. By default you will receive 49 hours of maternity care (if breast feeding) or 45 hours (if bottle feeding).

There is a personal contribution for every hour of maternity care. If you do not wish to pat this personal contribution for maternity care, you can take out a supplementary healthcare insurance for this. This reimbursement applies to the statutory personal contribution.

 

Location Personal contribution Condition
Home €4,30 per hour
Hospital € 17,- per day for the baby and € 17,- per day for the mother. There will be a higher personal contribution if the hospital expenses more than € 121,- per day. The personal contribution consists of the costs above this amount.
Hospital No Are you staying (after the delivery) in hospital with a medical indication, then you do not have to pay a personal contribution for maternity care.

Check the website of Zorgwijzer for more information about the reimbursement of maternity care.

Please note:

  • Always check with your own healthcare insurance what is covered by the basic healthcare insurance, what examinations and treatments require a medical indication, and what you can take out supplementary insurance for.
  • Maternity care is charged to the insurer you are insured with at the moment the maternity care starts. Therefore it is important to take out any supplementary insurance early on.
  • Also inform which healthcare suppliers and organisations your health insurer has contracted and under which conditions. This may prevent a lot of unpleasant surprises.

More information

Check the website of Zorginstituut Nederland for more information about the costs of midwifery care.