Other Dutch health insurances

As mentioned above, there are few cases in which expats do not necessarily need to be insured. These include:

› Homeland insurance

If your healthcare coverage (national or private
insurance in homeland) is applicable and in
compliance with the purpose of your stay, you
are not obliged to apply for a Dutch health
insurance. For more information visit the Health
Care Insurance Board (CVZ) and/or the Sociale
Verzekeringsbank (SVB).


› EU health insurance card

The EU health insurance card ensures that you
enjoy the same health care privileges as citizens
of the country you are visiting. The only
requirement is that you come from any EU/EEA
country, Iceland, Norway, Switzerland or
Liechtenstein. Learn more about the EU health insurance card here.


› Students & Researchers

If you are a student or a non-salaried researcher
in the Netherlands, you are not entitled to
national health insurance. Thus, you need the
EU health insurance card. Otherwise, you be
insured in your homeland or you may choose
from various university packages.

› Posted workers

In general, posted workers participate in the
health insurance scheme of the employers’
country. If you have not been informed by your
company, contact SVB.


› Cross-border workers

As a rule, cross-boarder workers are insured in
the country where they work and at the same
time covered in the country they live. This
applies only for the following countries: Australia,
Bosnia-Herzegovina, Canada, Cape Verde,
Channel Islands, Chile, Croatia, Egypt, Israel,
Japan, Fyrom, Morocco, Montenegro, New
Zealand, Serbia, South Korea, Tunisia, Turkey,
United States and Uruguay.


› Private healthcare insurance

If you do not fall under any of the above-
mentioned categories, you are advised to take
out an expat insurance package or a private
health insurance.