Health insurance is compulsory for all people who live or work in the Netherlands.

Expats from outside the EU, EEA or Switzerland who arrive in the Netherlands must take out Dutch health insurance within four months of receiving their residence permit, even if they have an existing foreign policy.

EU,EEA or Swiss nationals who are working in the Netherlands must take out Dutch health insurance within four months of registering at their Dutch city hall. If you are not working then you may be covered by the EU Health Insurance card.

Foreign students and Dutch health insurance

Foreign students are not always obliged to take out Dutch health insurance. Whether they are required to or not depends on several factors such as the duration of their stay, if they are doing work or an internship and whether they have insurance in their home country.

For more information see the Study in Holland page on healthcare insurance for students.

Dutch health insurance system

In contrast to many other European systems, the Dutch government is responsible for the accessibility and quality of the healthcare system in the Netherlands, but not in charge of its management.

The new Dutch health insurance system (January 1st, 2006) is a combination of private health plans with social conditions built on the principles of solidarity, efficiency and value for the patient.

Health insurance in the Netherlands is mandatory if you are here on a long-term stay and is designed to cover the cost of medical care. As a rule, all expats must have a Dutch health insurance even if they are already insured for healthcare in their homeland (for exceptions read other health insurances).

Healthcare in the Netherlands is funded through taxation: mandatory health insurance fees and taxation of income (pre-specified tax credits).

Within four months of receiving your residence permit (or registering at the city hall for EU/EEA nationals) you are subject to Dutch social security legislation and thus must obtain a basic health insurance (basisverzekering) package.

Basic health insurance package in the Netherlands

The basic package in the Netherlands costs around 100 euros per month and covers:
general medical care (including medical specialists, hospital care, GP appointments etc.)
 hospital stays
 dental care (under 18 years old)
 limited dental care (over 18 years old)
 medicine prescriptions
 patient transport (ambulance services)
 paramedical care
 pre- and post-natal care
 midwifery services
 rehab services (dietician, physio etc.)


Extra insurance coverage (aanvullende verzekering)

You may also need extra coverage for additional medical treatment such as extensive dental care, physiotherapy etc. This is where private health insurance providers (zorgvezekeraar) compete to offer policies that are best tailored to your health needs and lifestyle.

Register with a GP (huisarts)

After you have chosen your Dutch health insurance provider, you should register with a general practitioner (huisarts). Every time you need a specific examination you should first liaise with your family doctor and he/she will refer you to the right hospital or clinic. A list with all nearby doctors can be found in your local pharmacy (apotheek).

Main health insurance companies in the Netherlands

› Dutch health insurance companies

- Anderzorg
- Menzis
- UnitedConsumers
- Salland Zorgverzekeringen
- Univé
- Zilverenkruis

› International health insurance companies

- Cigna
- Expatcare
- William Russell

Hints & Tips about Dutch health insurance

› Dutch insurance companies are obliged by law to offer you the basic package. They can not deny coverage because of gender, age or health profile.
 You are not allowed to change your health insurance provider more than once a year.
 Those without basic insurance facing a fine amounting to 130 per cent of the premium health package.
 All those under 18 years old are insured for free.
 Many firms arrange collective agreements with insurance companies and offer a small discount to their employees.
 Be aware that there may be long waiting lists for certain services.
 Doctors can all be expected to speak English.

Useful links about Dutch health insurance
 To compare insurances and prices press here
 To apply for the healthcare allowance (zorgtoeslag) in the Netherlands click here
 The Ministry of Health, Welfare and Sport

LoonZorg health insurance: Say goodbye to 'eigen risico'!

LoonZorg offers a unique health insurance policy without the 'own risk' costs, especially created for expats in the Netherlands.

Health insurance premiums for 2016 announced

Dutch health insurance providers have announced their monthly premium prices for 2016. Find out which ones have gone up, and by how much.

Healthcare insurance in the Netherlands: an overview

Not sure how Dutch healthcare insurance works? Here's what's covered in the basic policy and what other policy types are available in the Netherlands.

Dutch health insurance premiums set to rise in 2015

The monthly premium for Dutch health insurance looks likely to increase by about 10 per cent in 2015. The compulsory 'eigen risico' will also go up.

Amsterdammers avoid health treatment due to costs

People are avoiding medication, lab research or a visit to a specialist because of increased insurance costs, an inspection of Amsterdam doctors found.

Dutch doctors strike to protest health insurance change

Dutch general practitioners are protesting proposed changes that will force patients to only use medical practitioners approved by their health insurer.

Healthcare premiums could go up by 20 per cent in 2015

Changes to the Dutch healthcare system this year will increase healthcare insurance premiums significantly in 2015, warn unions and employer groups.

Cheap health insurance carries large risks

The cheapest Dutch health insurance policies carry huge financial risks if you are treated at a hospital not on its list of approved providers.

Dutch health insurers squeeze health providers

Large Dutch health insurers are under fire for paying healthcare providers too little.

Deciphering the Dutch health insurance system - Part 1

Medical insurance in the Netherlands is a matter that the Dutch have devoted particular thought to - meaning that the outcome is characteristically complex.


Official issues



This site uses cookies. By continuing to browse you are agreeing to our use of cookies. Click here to learn more