The Dutch system is intriguing as they're very good at hiding stuff like that. Same as the 2 year sickness entitlement that the employer has to pay, which is really 2 years + 10 years = 12 years. But they never mention the added 10 years exposure. Case in point you pay compulsory medical insurance, but also some of your salary is taken out as a medical national insurance on top of that. The hospitals and health treatment here is good, better than the UK, with the exception of the maternity wards. But lots of Brits get shocked when they have to pay compulsory health insurance here and doubly so when they've run the gauntlet for 18 months and finally taken out insurance only to find their bank account has a full 18 months insurance taken out from the day they received their first pay packet.