Your money and insurance

Medical insurance
Any insurance company that offers medical coverage is required to accept any Dutch citizen (and any foreigner who is working in the Netherlands) who applies for the basic insurance package. No questions are asked about ageld person’s health, and people with HIV do not have to pay any more than anyone else. This basic insurance policy will cover the costs of your HIV treatment: consultations in the HIV treatment centre, your blood tests and your HIV medications. Regardless of which insurance company you choose for this basic insurance package, the initial contribution that you will have to pay towards the actual medical costs (that is to say the policy excess or deductible) is the same for everyone. If you have HIV, you will definitely end up paying that whole initial amount, even if you have not yet started taking HIV medications. If you are using HIV medications, you will automatically get part of that initial amount back. Health insurance companies also offer supplemental insurance policies, for example for dental care, alternative remedies and physiotherapy. Any supplemental insurance policies that you already had will not change as a result of your HIV. But if you apply for a new supplemental insurance policy, the company is allowed to ask you questions about your health. In that case, it could happen that your application for insurance is rejected because of your HIV, or that you will have to pay more to get the insurance policy. That is why it is a good idea to find out if they will ask you about HIV before you apply for supplemental insurance or switch to a different insurance company. If your application for insurance is rejected, that will be registered in a central database. From then on, every time you want to take out a new insurance policy, even if that is for your car, for example, you will need to explain why your earlier application was rejected.

Taxes and other financial regulations
If you have a chronic condition (such as HIV), you can claim a deduction in your tax return. You can find up-to-date information about taxes and other financial regulations that apply to HIV on This information is only available in Dutch.

Mortgage and life insurance
For many kinds of mortgages, you will need to have life insurance. Thanks to the lobbying efforts of the Hiv Vereniging, it is now possible for you to get life insurance even though you have HIV, if you have not started taking HIV medications or if the HIV medications you are taking are working effectively. Find out about the specific conditions and about the higher premium that you might have to pay.

Disability insurance
If you have HIV and you are on a payroll, you are automatically insured against illness and disability. As a private individual, however, you can no longer insure yourself for sick pay or disability benefits. That is primarily a problem for people who are self- employed. There is one exception: if you become

Pension insurance
Your HIV does not form any obstacle for an old-age pension. If you want to have an insurance policy that will be paid out to your next of kin when you die, the insurance company is allowed to ask you questions about your health. Make sure you ask about the conditions before you apply, to avoid having your name registered in a central database as someone whose application was rejected.

Other insurance policies and loans
For loans and other insurance policies where illness or death form a risk for the insurance company, such as travel insurance or funeral insurance, the insurance companies are allowed to ask you questions about your health. They might refuse to give you the insurance due to your HIV or they might only give it to you under certain conditions (e.g. the policy will not be paid out in certain situations, or you may need to pay off a loan more quickly).

Financial support from the Aids Fonds
If you have a low income and you have extra expenses due to your HIV that other organisations do not compensate, you can apply to the Aids Fonds for financial support (call their Individual Support Department, 020-626-2669).

Tested anonymously for HIV?
There are people who get tested anonymously for HIV and then immediately afterwards take out an insurance policy or a loan. If they are then asked questions about HIV, they can either ignore those or answer them negatively. Naturally they do this before they go to see a doctor about their HIV. With some insurance policies, however, the applicant not only has to answer questions about HIV but also has to submit to an HIV test. It that case, it makes no sense to have an anonymous HIV test beforehand.

Specialised in HIV
Would you like to know more about the special health insurance for people with HIV? Or about firms that are specialised in financial products for people with HIV? Call the Servicepunt of the Hiv Vereniging (020-689-2577- monday, tuesday and thursday from 2 PM till 10 PM).


Hiv Vereniging Nederland

Eerste Helmersstraat 17


020 6 160 160
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020 689 25 77

For questions about living with HIV. Available monday, tuesday and thursday from 2 PM till 10 PM

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