Healthcare insurance Curaçao 

Healthcare on Curaçao is generally good. Modern hospitals and clinics are available in Willemstad and other larger towns. Doctors are often trained in the Netherlands and speak Dutch or English. Compared to the Netherlands, care is accessible. Although waiting times can be long and the availability of specialist care is sometimes more limited. For emergency care, you can go to A&E at the hospital, or to a GP centre.

Everyone registered with the civil registry on Curaçao is entitled to Basic Healthcare insurance (BVZ). This is Curaçao's healthcare insurance and is provided by the Sociale Verzekeringsbank (SVB). The premium depends on your income and is paid via your income tax. You and your employer both contribute.

You’ll find more information on SVB website. You can participate in this system as soon as you’re an official resident of Curaçao. You first register with the civil registry and then with the SVB.

If you’re not registered as a resident, you can’t use the public insurance and must rely on private or international insurance. For example, OOM Healthcare insurance.

If you remain registered in the Netherlands, your Dutch national health insurance will cover emergency care anywhere in the world up to a maximum of the cost in the Netherlands. Dutch national health insurance generally doesn’t reimburse the cost of repatriation or evacuation in the case of illness or an accident.  If you’re no longer registered in the Netherlands, you’re no longer entitled to Dutch national health insurance and you must arrange your own insurance.  

Healthcare in Curaçao can be quite different to what you’re used to in the Netherlands. Not every country has national health insurance, there may be strict rules and waiting times may apply. Healthcare costs can also be much higher than in the Netherlands. Without proper cover, this can leave you with unexpectedly high bills. 

With OOM, you don't have to worry. We’ll make sure everything is properly taken care of. 

We’re here for people with extraordinary stories, who want to be well insured. We always offer a solution that will suit your situation during your stay in Curaçao. 

Our healthcare insurance gives you certainty when Dutch national health insurance no longer applies or doesn’t provide sufficient cover. Your OOM insurance can also serve as a supplement to local insurance in Curaçao. Providing you with proper cover for costs outside your local policy. This is especially important in a country where the rules are different to in the Netherlands, or healthcare costs can be unexpectedly high. 

With OOM Healthcare insurance you can: 

• Insure yourself while staying abroad: If your Dutch national health insurance expires and you can’t or don’t want to use the local healthcare system, our international healthcare insurance provides you with the certainty you’re looking for
• Insure yourself while you wait for your local insurance to come through
• Get additional insurance if your Dutch national health insurance or local public insurance are not enough

OOM's insurance is for anyone who wants to be properly insured in Curaçao. Whether you’re only staying abroad temporarily or permanently emigrating. Our solutions suit different situations, such as: 

• Expats and entrepreneurs going to Curaçao for work, or who need insurance to be able to register locally
• Dutch nationals who do not have, or who are no longer entitled to Dutch national health insurance 
• Students and travellers temporarily staying in Curaçao
• Emigrants permanently settling in Curaçao
• Backpackers or global travellers who want to avoid unexpected costs during their adventure in Curaçao

OOM provides worldwide cover and helps you avoid unexpected bills. This is reassuring in a country where healthcare is regulated differently than in the Netherlands. 

Choosing OOM means choosing certainty that travels with you. Wherever you are in the world:

• Worldwide cover: Including if you visit the Netherlands or travel while living abroad
• Always available: Our Assistance Centre is available 24/7
• Tailor-made: You choose the cover that best suits your situation
• Extra certainty: Supplement your insurance easily with additional options, such as household contents, personal accident or liability insurance

With OOM you can arrange your own healthcare insurance quickly and effectively. Helping you focus on your plans in Curaçao, without unexpected worries.

Do you want to start your adventure without worry? You can calculate your premium easily online and apply for your insurance immediately. If you’ve any questions, our team will be happy to help you.

According to the Dutch Ministry of Foreign Affairs, Curaçao is currently code green. This means that there are no particular safety risks. Note: This can change. Always check the current travel advice from The Netherlands Worldwide (in Dutch). 

As far as healthcare is concerned, facilities are reliable, but capacity is lower than in the Netherlands. During epidemics or major calamities, patients may be transferred abroad (e.g. Colombia or the Netherlands). Supplementary or international healthcare insurance is a wise choice for those looking for greater certainty.