Descubri historia di AZV

19 years ago Aruba took an important step with the introduction of health insurance for the entire population, functioning independitly from the government. In 2001 AZV became the first national health insurer in the kingdom, The Netherlands followed suit in 2006.

The national ordenance (law) AZV that is being executed by the Executive Body AZV was approved unanimely by Parliament on February 13, 1992. With the implementation of AZV in 2001, all things care related were brought together under one roof. Employers, employees, health care providers and private insurers they all had a say in the establishment of AZV. Before the AZV was implemented there were diferent health care plans with diferent coverage and insfficient acces for speci­c parts of the population.

Since 2001 a lot has changed. New types of medical care were introduced and existing ones like dlialysis and revalidation were expended. San Nicolas got a new medical facility (link ImSan) and at this moment the dr Horacio Oduber Hospital in Oranjestad (link HOH) is being renewed and expanded.

AZV is funded in three different ways. By premium, Government contribution and BAZV.


People pay a premium based on their salary. An employee pays 1,6% of their gross salary and the employer 8,9% of this sum. Persons with a pension pay the whole 10,5% themselves.

Government contribution

A ­fixed sum of ­fiscal contribution that at the end of the year, if necessary, will be followed by a additional fi­scal contribution.


The 1st of December 2014 the government started to collect 1% of ‘health tax’ on every item or product bought in Aruba in order to ­nance the AZV fund and decrease the government contribution.

Main charasteristics of the AZV are:

Universal access


  • Every (legal) citizen eligible

  • Mandatory enrollment regardless of health or income

Equality of care


  • A guaranteed and comprehensive package of health bene­ts

  • In kind delivery, no reimbursement

  • No co-payments, no deductibles

  • Possibility of supplementary insurance by private companies



  • By contributing in line with one’s ability to pay or ­nancial capacity

  • No risk-adjustment or cream skimming based on income, sex, age or medical history

Financing by payroll-taxes and ­fiscal contribution

  • Payroll taxes shared by employer and employees

  • No re-insurance scheme

Single Payer contracting with private providers


  • Independent public entity with legal personality

  • Supervisory board consisting of representatives of employees, employers and the Minister of Health

Better cost-control and quality-assurance


  • Reducing bureaucracy by administrative simpli­cation

  • Collecting uniform, reliable (medical and ­nancial) data in one central database

  • Better instruments for policy-decisions and quality assurance


Preguntanan mas puntra

Den ki caso mi dokter di cas lo mandami pa un specialista?

Ora e dokter di cas haya cu ta necesario y cu e como bo dokter di cas no por yuda bo of no por yuda bo mas paso ta rekeri di cuido specialisa. Sin embargo, despues di e diagnostico of tratamento di e specialista, semper e pashent por bay bek na man di su dokter di cas pa sigui haya e cuido via su dokter di cas.

Pakico ora mi yama pa haci afspraak na mi dokter di cas, e asistente ta haci mi pregunta tocante mi salud?

Awendia e mayoria di e dokternan di cas ta haci uzo di Traige. Traige ta e evaluacion di pashentnan den diferente categoria, na unda nan ta wordo clasifica segun e gravedad di e sintomanan, lesionnan y malesa. E (traige) ta wordo aplica na Spoed Eisende Hulp (SEH) di hospital y na e dokter di cas na warda pa por determina e urgencia di pashentnan cu ta yega. E meta di Traige ta pa establece prioridad y dicidi cua pashentnan mester haya tratamento medico prome y cua pashentnan por warda un tempo cortico of largo riba ayudo. Den oficina di e dokternan di cas ta poniendo cada biaha mas atencion na Traige hustamente pa contesta y guia den bon direccion e cantidad grandi di e pashentnan y pa percura cu e cuido wordo duna na e bon momento. Pa e motibo ey mes, e assistente di e dokter di cas lo haci abo como pashent pregunta pa asina yuda bo mas miho.

Pero ami no kier conta mi cosnan priva na e asistente di e dokter di cas.

No mester tin miedo pa conta e asistente di dokter loke ta pasabo. Cada asistente di dokter ta traha bou secresia medico igual cu e dokter di cas y tur otro dunado di servicio den e cadena di cuido medico na Aruba.

Mi ta pashent diabetico y awor ta wordo atendi door di un Praktijk Ondersteuner. Ken e praktijkondersteuner ta?

E praktijkondersteuner ta un persona studia riba e nivel HBO y cu amplio experiencia den e ramo di cuido di pashent. E rol di e praktijkondersteuner ta pa asisti e dokter di cas den e cuido y guia di pashentnan diabetico of pashentnan cu malesanan cardiovascular. E praktijkondersteuner ta e persona cu ta duna e pashent informacion, guia y motivacion pa e pashent por keda cumpli cu su controlnan regular y pa e pashent cumpli cu e tumamento di su remedinan segun prescripcion di e dokter di cas. E praktijkondersteuner ta traha independiente, siguiendo e plan di tratamento di e dokter di cas y bou di e responsabilidad di e dokter di cas. Por wak ambos como un ekipo trahando hunto na bienestar di e pashent.

Pakico mi mester acudi cerca e dokter di cas prome?

AZV ta stimula e prome liña di cuido. E dokter di cas ta un profesional medico cu a
siña pa duna tratamento y cuido medico riba un tereno masha amplio mes incluyendo e
guia pa personanan cu malesa cronico. Banda di esey, e dokter di cas ta un persona di
confianza cu kende e pashent por consulta tur su sintomanan incluyendo su bienestar y
of malesanan den famia. Esaki ta nifica cu tin hopi malesa cu e dokter di cas mes por

Preguntanan mas Puntra