Healthcare costs of Dutch residents with basic insurance (01-01-2017-01-01-2018)

This file contains per Dutch resident, who is insured through the basic insurance, his costs per year for care insured through the basic insurance. The basic insurance is legally required through the Health Insurance Act (Zvw) for almost all Dutch residents. The costs are those that have actually been reimbursed by the health insurers.The costs are divided into forms of care, such as GP care, hospital care, physiotherapy, etc. The healthcare costs include the costs that are ultimately paid by the insured themselves due to the mandatory or voluntary deductible, but excluding own payments. If the insured has received an account himself and has not submitted it to the insurance, for example because the deductible has not been reached, the costs are not included in the figures. If new forms of care are included in this file, they will be added in new variables after the already existing variables. This means that they will follow the variables with prefix &NOP ' (variables not published on StatLine and which have not been checked and analysed as such). The use of this file requires permission from the data provider. This permission can be obtained by sending an email with the analysis plan or the quotation to the email address: [mail address hidden – contact CBS]. From there we will then contact the data supplier for arranging consent. More information on how to access the data: > https://www.cbs.nl/nl-nl/onze-diensten/maatwerk-en-microdata/microdata-zelf-onderzoek-doen ### Methodology The raw data on actual reimbursed expenses associated with the basic insurance relating to a reporting year originates from Vektis, who in turn receives this information from the health insurers. Not to be taken into account: (1) care for which one can insure themselves through supplementary insurance, (2) care costs that fall outside the Health Insurance Act (Zvw) and have been paid through own payments and (3) care that falls under another legal framework (such as (until 2014) the General Act on Special Medical Expenses; AWBZ, from 2015 the Long-term Care Act and the Youth Act, etc). Up to the reporting year 2010, the costs are observed during the year itself and the following three quarters, from 2011 during the year itself and the following four quarters. In seven quarters, approximately 95 % of all declarations within that reporting year are reported, with hospital care and mental health care in particular not yet fully received. The remaining costs for these two forms of care exceed the mentioned 5 %. When observed over 8 quarters, about 98 % of all declarations are in. The health insurers have made an estimate of the remaining costs they still expect to receive (mainly in specialist mental health care and to a lesser extent hospital care). With the help of this estimate, Vektis increased the costs per health insurer per healthcare form; these increased costs are included in this file. The actual costs are not available separately. An important point of attention is that only the costs are increased for those who already had costs, whereas in reality this does not have to be the case. It is therefore not possible to determine the exact number of people who have actually received care. Vektis checks the data received from the health insurers and any errors found are always returned to the relevant insurer with a request for a new delivery of the relevant data. Vektis does not make any corrections to the data received. This means, among other things, that the data files also contain negative amounts. These can be corrections of expenses paid out for an earlier year that an insurer has made in a later year. The health insurers can be divided into risk bearers and proxy holders. The risk bearers are the "real & quot; health insurers and bear the financial risk associated with insuring a person. The proxy holders do take out basic insurance, but do so on behalf of one or more risk bearers. Attorneys do not bear the risk themselves. Until 2016, the cost data of the proxy holders were less reliable. Therefore, until the reporting year 2016, an additional increase was made to correct these proxy holders (about 5 % of insured persons). This part was assessed using the personal characteristics of age, gender, region, migration background and household income. The resulting increase factors (until the reporting year 2016) are shown in the variable ZVWKOPHOOGFACTOR. As of the 2017 reporting year, this additional increase is no longer necessary and therefore a ZVWKOPHOOGFACTOR is no longer available. ### Population Dutch residents who actually have basic insurance.