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I'm sorry for the delayed response @momogrow. When I first saw your response, I was travelling so was going to respond afterwards but then forgot. Then I saw your prompt two weeks ago, but every time I wanted to reply I had to do my curation work first, so never got round to it, and it dragged on and on 😅 till this morning
It's interesting to see that the Dutch health system is very different from the UK one, which as you probably know, we have the NHS which the state is very proud of. Are all the hospitals and clinics in the Netherlands also run privately or are they operated by the state but users have to pay via their insurance? Sorry for all the questions 😀
Aww I totally understand - I know you are a busy lady.
Although we need to have a basic insurance plan via an insurance company it is still a form of universal health care. Most hospitals and clinics are privately runned but are non-profit and monitored by the governments. So the answer to your question is Yes - payments are made via the insurance company. As mentioned above - most of the usual ailments are covered in the basic plan. Thus one never sees a bill.
The system is very good but like most things it has its flaws. One must go to the GP in order to get to the hospital unless it is an emergency. Time spent with the GP is 10 or 20 minutes - hence not enough time for a diagnosis - which often comes too late.