WILLEMSTAD – Growing concerns have emerged about potential misuse of Curaçao’s public health insurance system, particularly involving individuals who may be accessing coverage without contributing financially.
Observers point to a situation in which some residents with Dutch nationality register on the island and obtain access to healthcare through the public BVZ insurance system, despite having no local income or formal tax registration.
According to these concerns, individuals in this category may avoid applying for a tax identification number while still being registered locally and in possession of an SVB insurance card. This allows them to access healthcare services without paying premiums into the system.
The issue is described by some as a “public secret,” raising questions about how widespread the practice may be and how much revenue could potentially be lost as a result.
Critics argue that this creates an imbalance within the system. While the BVZ framework is based on solidarity—ensuring access to healthcare for those unable to pay—it is not designed to support individuals who deliberately avoid contributing.
The situation also highlights potential gaps in coordination between government institutions, including tax authorities and social insurance bodies. Without integrated oversight, individuals may be able to navigate between systems without being properly registered or monitored.
As Curaçao continues to face financial pressures within its healthcare system, calls are growing for stricter enforcement and improved data sharing between institutions. Addressing these gaps is seen as essential to maintaining fairness and long-term sustainability.