Employees’ health insurance vs National Health Insurance
Enrollment, dependants, premium calculation, and the sickness and maternity income benefits.
Employees’ health insurance is enrolled through work, uses a salary-based premium shared with the employer, covers dependants, and can pay sickness and maternity allowances; municipal National Health Insurance is household-based and generally does not pay those income allowances.
Benefits may vary by: employer · municipality · household income · dependants
Get professional or administrator help: Ask HR, your health insurer, and the municipal office to compare continuation vs NHI for your household.
Review due: 2026-10-30
Key points
- Employees’ insurance has a “dependant” structure; NHI insures each household member.
- Employees may receive sickness and maternity allowances; ordinary NHI generally does not.
- Both provide covered treatment and the high-cost benefit.
- Switching jobs can change which system you are in and how premiums are set.
When you change jobs
Losing employer coverage can trigger a choice: voluntary continuation of employees’ insurance where available, or municipal NHI. Compare the total premium, dependant treatment, and whether income allowances matter to you, and enroll promptly to avoid a coverage gap.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.