Insurances in the Netherlands

Insurances in the Netherlands

Insurances in the Netherlands

There are many types of insurance in the Netherlands. While certain insurances are compulsory, you do have the freedom to choose the provider. It is then wise to compare policies, fees and premiums before choosing an insurance company.

Types of insurance available in the Netherlands

Generally speaking, these are the different types of insurance available in the Netherlands:

Health insurance (zorgverzekering)

All residents of the Netherlands are required to take out basic Dutch health insurance.

Health insurance for international students

International students in the Netherlands are not always obliged to take out health insurance. Find out more about health insurance for international students

General insurance or non-life insurance (schadeverzekering)

General insurance compensates the insured after the occurrence of an insured risk (also known as property and casualty insurance).

Life insurance (levensverzekering)

Life insurance is related to the life or death of a person. For example term life insurance (overlijdensrisicoverzekering) and funeral insurance (uitvaartverzekering).

Compulsory insurances in the Netherlands

In the Netherlands, there are a few insurances that are compulsory. For example health insurance (zorgverzekering) and motor vehicle insurance (WA-verzekering).

However, there are other insurances that you are not obliged to take out but you are highly advised to. For example the residential premises insurance (opstalverzekering) for those who want to buy a house and need to take a Dutch mortgage. Often mortgage providers in the Netherlands require you take it out.

Read also

  • Dutch health insurance

    Dutch health insurance

    An overview of health insurance in the Netherlands including healthcare coverage, insurance providers, basic & additional insurance and eigen risico.
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  • Other health insurances

    Other health insurances

    Info about the EU health insurance card, homeland insurance, and what applies to students, researchers, cross-border and posted workers in the Netherlands.
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  • Private insurances

    Private insurances

    Learn more about private insurances in the Netherlands including liability, household, life, income, legal, life, vehicle, travel and other insurances.
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  • Health insurance for international students in the Netherlands

    Health insurance for international students in the Netherlands

    Whether international students need to take out Dutch health insurance during their study in the Netherlands depends on various factors. Read on!
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  • The Dutch healthcare system

    The Dutch healthcare system

    Information and links about the healthcare system in the Netherlands.
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  • Healthcare allowance (zorgtoeslag)

    Healthcare allowance (zorgtoeslag)

    Are you entitled to the Dutch healthcare allowance (zorgtoeslag)?
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