Wij gebruiken cookies en technieken die daarop lijken. Om onze website goed te laten werken, gebruiken we altijd functionele en beperkte analytische cookies. Functionele cookies zorgen dat de site werkt zoals het hoort en dat het veilig en betrouwbaar is. Beperkte analytische cookies helpen ons te begrijpen hoe onze website wordt gebruikt, zodat we deze kunnen verbeteren. Deze zijn niet terug te herleiden naar jou als persoon.
Accepteer je alle cookies? Dan geef je toestemming voor het gebruik van analytische en marketing cookies en het verzamelen en delen met onze 11 partners van: je klikgedrag op onze website, en mogelijk daarbuiten, en technische gegevens van je browser, zoals je IP adres. De analytische cookies helpen ons te begrijpen hoe onze website wordt gebruikt, zodat we deze kunnen verbeteren. Via de marketing cookies geven we aan onze marketingpartners door als je bij ons een product hebt afgenomen en kunnen we advertenties tonen die aansluiten bij jouw interesses.
Je kunt je voorkeuren altijd aanpassen en meer lezen over welke partijen cookies plaatsen door onderaan de pagina op cookies te klikken. In ons privacy beleid lees je hoe wij omgaan met jouw privacy.
Moving to the Netherlands or already living here? If you live or work in the Netherlands, you will usually need Dutch basic health insurance. This insurance covers important healthcare such as your General Practitioner, hospital care and most medicines. From mid-November 2026, you can choose your health insurance for 2027 at UnitedConsumers.
What is covered in the basic health insurance?
The
decides every year what is included in the basic health insurance. For example, the basic package covers visits to a general practitioner (GP), hospital care and several medicines. It includes:
Dutch government
Medicines.
General Practitioner.
Help by physician specialists.
Midwifery and maternity care.
Hospital stays and treatments.
Dental care up to the age of 18.
Add extra cover if you need it
You can add extra insurance to your basic health insurance. Think about extra coverage for physiotherapy, dental care, and eyewear.
What does Dutch health insurance cost?
You pay a premium for your basic health insurance each month. The amount depends on the health insurance plan and the deductible you choose. This is called monthly premium (in Dutch:
zorgpremie
).
Deductible
In the Netherlands, everyone with a basic health insurance pays a yearly deductible (in Dutch:
eigen risico
). This is the maximum amount you pay yourself for care from the basic insurance. For 2027, the deductible is
€ 400 per year
. You only pay the deductible when you use healthcare from the basic health insurance. It does not apply to additional or dental insurances.
Expat in the Netherlands
If you work and live in the Netherlands, you must take out a Dutch basic health insurance. This rule applies to everyone, no matter if you come from the EU or outside the EU.
Make sure you have a Dutch health insurance within 4 months after your Dutch residence permit starts. Do you need help? Our
are ready to guide you.
healthcare experts
Student in the Netherlands
Are you coming to the Netherlands to study? Then you usually don't need a Dutch health insurance if you only study and do not work.
Do you have a paid internship or start working during your studies? Then you must take out Dutch health insurance. It’s important to check your insurance situation at
.
the SVB
Every Dutch basic health insurance plan covers the healthcare included in the statutory basic package. The main differences are the monthly premium, your choice of healthcare providers and the reimbursement you receive when you visit a provider without a contract.
Step 1: enter your personal details
Fill in your date of birth and choose if you want to insure yout parnet and/or child aswell.
Step 2: choose your insurance
Choose your basic health insurance, deductible and any additional or dental cover you want.
Step 3: submit application
Submit your application and start saving. You will be perfectly insured from January 1st 2027. You can save up to € 280,00 per year on your health insurance.
Additional health insurance
An
is not mandatory in the Netherlands. But it can be very useful if you expect extra care, like physiotherapy or alternative treatments. If you know what care you may need in 2027, it is smart to choose a supplemental health insurance.
additional health insurance
Dental insurance
With a
, you’re covered for check-ups, dental hygienist treatments, and other dental care. This way you can visit the dentist with confidence. The exact coverage depends on the dental insurance you choose.
dental insurance
Does my child need a Dutch health insurance?
In the Netherlands, health insurance is mandatory for everyone from the age of 18. Many parents wonder when their child needs their own health insurance. The answer is simple: from the 18th birthday, every young adult in the Netherlands must take out their own insurance. Until then, children are covered under their parents’ policy.
Nienke Wuits -
Expert in health insurances
Jouw voordelen
20% op alle aanvullende verzekeringen
Bespaar jaarlijks gemiddeld € 280,00
Gratis tandongevallenverzekering
Altijd goedkoop tanken
Korting op alle brandstoffen
Tanken bij ruim 500 tankstations
Veilig tanken bij bemande tankstations
Yes, everyone living or working in the Netherlands must take out at least a basic health insurance. In a few cases, you don't (yet) need a Dutch health insurance. In example:
You have recently left active military service.
You've lived abroad for a longer period of time.
You're a conscientious objector for religious reasons.
The insurer ended your health insurance due to non-payment.
You cancelled your Dutch health insurance but didn't choose a new one.
You just turned 18 years old and still have to choose your own health insurance.
Possibility to increase deductible
You can also choose to increase your deductible voluntarily. This can be done with an amount of € 100, € 200, € 300, € 400 or € 500. In return, you pay a lower monthly premium. If you need healthcare, however, you may have to pay more yourself.
Choosing health insurance is easier when you know what you need. Compare our plans, choose your deductible and add extra cover if it fits your situation.
