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
Health care insurance is a part of the Belgian social security system. To enroll, a person must first join a health insurance fund "mutuelle" ("mutualité") or "ziekenfonds" ("mutualiteit") for which an employer's certificate is required if the employer is to contribute to the cost. If employed a person's contributions is automatically deducted from salary. The employer will also pay a contribution. Health insurance funds will reimburse medical costs. The choice of mutual insurer is up to the individual. Most of them are affiliated to a religious or political institution but there is no real difference between them because reimbursement rates are fixed by the Belgian government.