• ActuallyRuben@actuallyruben.nl
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    1 year ago

    Not entirely in the Netherlands. There you have a yearly mandatory “eigen risico” of €385 (or more if you want a discount on health insurance). The first costs you make, you have to pay out of pocket. Only after you’ve exceeded the €385 in a year will the insurance start covering the costs.

    • heili@lemmy.world
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      1 year ago

      We call that a “deductible”. Mine is $1200. So it’s more than yours, but it’s not quite the same as having to pay for everything out of pocket.

      • owenfromcanada@lemmy.world
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        1 year ago

        But it’s worth noting that (at least here in the US), once you’ve paid the $1200, you often still have to pay 10 to 20% of costs (called a co-pay). A single serious incident (emergency hospitalization, for example) could easily still cost hundreds or even thousands.

        • heili@lemmy.world
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          1 year ago

          There is also an out of pocket maximum with regards to that “co pay” or “co insurance”. My annual out of pocket maximum for co-pay and co-insurance is $2500.