Netherlands
While Dutch residents are automatically insured by the government for AWBZ, everyone has to take out their own basic healthcare insurance (basisverzekering), except those under 18 who are automatically covered under their parents' premium. If you don't take out insurance, you risk a fine. Insurers have to offer a universal package for everyone over the age of 18 years, regardless of age or state of health – it's illegal to refuse an application or impose special conditions. In contrast to many other European systems, the Dutch government is responsible for the accessibility and quality of the healthcare system in the Netherlands, but not in charge of its management.
Health systems by country
Norway has a government run and government financed universal health care system, covering
physical and mental health for all and dental health for children under the age of 16. Hospitals are paid by the state and doctor visit fees are capped at a fairly low rate. Short-term prescriptions for medication are market price, but long-term prescriptions, defined as more than three months a year, are eligible for a large discount. In addition, a yearly cap applies for people with high medical expenses.