Got an appointment at the UMC Utrecht? Then you may have some questions regarding the costs entailed. What about your healthcare invoice and your deductible? Are you properly insured for medical care? It would be prudent to check what hospitals your health insurer has signed a contract with prior to your appointment. These hospitals can be found on the website of your health insurer. Please also refer to the terms and conditions of your policy to see whether the costs of your treatment will be compensated.


Hospitals and health insurers enter into agreements on the price of a wide array of examination and treatment programs. It is possible that your health insurer does not have an agreement with the UMC Utrecht with respect to specific healthcare. If that is the case, then a healthcare invoice will be sent to your home address. You will have to settle this invoice in full or in part yourself.


Healthcare invoice new style

The old healthcare invoice was littered with complicated codes. This has been changed. Henceforth, you will receive a clear, improved healthcare invoice for every treatment you undergo at the UMC Utrecht. It will show you exactly what was done, by whom, and what it costs.

The healthcare invoice provides important information on the healthcare you received:

  • the specialism of the person treating you
  • the diagnosis
  • the name of the healthcare provider
  • the costs
  • the medical treatments 

Privacy on the healthcare invoice

The healthcare invoice features detailed information on your healthcare. This information is also sent to your health insurer. If you would rather that were not the case, e.g. in the case of sensitive information you would rather keep private, then you can use the "privacy on the healthcare invoice" scheme. In such cases, the precise examinations and treatments provided will not be specified on the healthcare invoice. The diagnosis-treatment combination (known in Dutch as "DBC"), the declaration code and the consumer description will, however, be specified.

Using the privacy on the healthcare invoice scheme

You can fill in and submit a form via the website. We will then prepare a declaration for you. This declaration will not be valid until you have signed it. Upon your next appointment at the UMC Utrecht, please go to Central Admissions in the lobby. You will be able to sign your declaration there. Please ensure you have some proof of identity on you. The scheme will commence once the form you have signed has been processed. The scheme applies to all healthcare programs that will be invoiced from that point onwards, i.e. including any future healthcare programs.

Healthcare is usually reimbursed

Most healthcare provided at the UMC Utrecht is covered by the basic insurance. This healthcare is simply paid for by your health insurer. Just got basic insurance and no supplementary cover? Then it might be that you are required to settle certain medical expenses (or a proportion thereof) yourself.

When will the healthcare not be compensated or not be compensated in full?

  • If you do not have any health insurance.
  • If your health insurer does not have a contract with the UMC Utrecht.
  • If you do not have a letter of referral. No letter of referral is required for physiotherapy, occupational therapy, orthoptics, prenatal screening and remedial therapy.
  • If the healthcare is not covered by the basic insurance (and you do not have any supplementary cover).
  • In the case of elective medical treatment, e.g. for cosmetic or religious reasons.

Got supplementary cover?

Some hospital treatment is not covered by the basic insurance. You can take out supplementary cover for such treatment if you wish.

Whether or not your treatment will be reimbursed on the grounds of the supplementary cover depends on the terms and conditions of your policy. Therefore, please check your policy or get in touch with your health insurer.

If there is no contract in place between hospital and health insurer

Each year health insurers sign contracts with a large number of healthcare providers. The UMC Utrecht has a contract with practically all health insurers, but there are some exceptions. If your health insurer does not have a contract with the UMC Utrecht, then you will have to bear the costs in full or in part. We do endeavor to avoid such situations by way of solid agreements with the health insurer. Furthermore, health insurers offer so-called "budget policies." If you have one of these budget policies, this might also mean that you will have to pay a proportion of the costs yourself.

Please find below an overview of the policies that may currently preclude full reimbursement for your treatment at the UMC Utrecht:

  • Basis Budget Polis from Zilveren Kruis (Achmea)
  • ZieZo from Zilveren Kruis (Achmea)
  • Bewuzt from VGZ
  • Goede Keuze from VGZ
  • ZEKUR from Univé (VGZ)
  • Zorg Select from Univé (VGZ)
  • NS/SPF Zorg Plan Selectief from Avéro (Achmea)
  • Zorgbewust from CZ
  • BudgetBewust from Menzis

Please note: This list is not definitive. It is important that you always check for yourself whether your treatment will be reimbursed. For further information on compensation, please refer to the terms and conditions of your policy and your health insurer’s website.

Elective treatment

Elective healthcare (e.g. cosmetic surgery, certain types of fertility treatment, circumcision) is not covered by the basic insurance. Nonetheless, it is possible to obtain supplementary cover for these things.

Your deductible

In 2016 you will be required to pay a deductible of €385 if you receive hospital healthcare that is reimbursed under the basic insurance. This deductible is mandatory for anyone aged 18 years or over and will come into effect on the day you turn 18. This means that in a given calendar year you will always have to pay the first €385 of healthcare covered by the basic insurance yourself. In addition to this mandatory deductible, it could be that you have agreed a voluntary deductible with your health insurer. The higher your voluntary deductible, the lower your health insurance premiums will be.

Morgue costs

For patients who pass away at the UMC Utrecht, we will provide the initial preparation of the body. We can also provide further care, such as placement on the bier and storage of the body, but we are not obliged to do so. This means that the next of kin will be invoiced afterwards.

The invoice will pertain to costs incurred from three hours after the patient’s passing. This is governed by nationwide regulations.

You require a letter of referral

It may be that you do not have a valid letter of referral when you come in to the hospital. If that is the case, then it could be that you have to pay for the treatment yourself or that you will only be treated once you have obtained the correct letter of referral. Ordinarily the letter of referral is obtained from your family doctor. Nevertheless, other healthcare providers or medical specialists may also be the referring party. A letter of referral is valid for one year.

If you are not insured

Everyone residing or working in the Netherlands is obliged by law to take out health insurance. If you are not insured, then you will still need to take out basic insurance cover. If you fail to do so, you will have to pay the full costs of the treatment yourself. In such cases, you will always be required to pay the anticipated costs in advance, prior to your first appointment.

How much will my treatment cost?

The diagnosis, treatment and costs have been charted for every type of healthcare issue. Healthcare programs are set out in "diagnosis-treatment combinations" (DBCs in Dutch). The costs of the DBC codes featured on your healthcare invoice can be found on the website of the Nederlandse Zorg Autoriteit (Netherlands Healthcare Authority).


If your treatment at the hospital is not compensated, a set price will apply: the "passer-by rate." These rates are set annually. The price of your treatment at the UMC Utrecht can be found on the passer-by price list below. Please pay close attention to the period in which your healthcare program commenced. Any questions? Search below for the outpatient clinic you wish to call or call +31 (0)88 75 555 55 and ask to be connected to the right outpatient clinic.

Centers, outpatient clinics and wards (Dutch language only)

Who is responsible for the costs of my treatment?

You yourself are responsible for the costs of your treatment. If your treatment is not compensated or not compensated in full by your insurer, then the UMC Utrecht will send an invoice for the healthcare provided to your home address. You will need to settle this invoice yourself. Therefore, please do check beforehand whether the treatment will be compensated (in full or in part). Your health insurer will be able to inform you on this.

I have a question regarding my healthcare invoice. Where do I need to be?

Please contact the UMC Utrecht’s Invoicing & Accounts Receivable department.

Opening hours

Monday to Friday from 9 a.m. to 12 p.m. and from 1 p.m. to 5 p.m. (except on public holidays).

+31 (0)88 75 589 45


Please contact your health insurer if you:

  • would like to know whether your treatment will be reimbursed
  • have any questions regarding the terms and conditions of your policy