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Be the first to know the 2026 health insurance premiums
On 12 November 2025, the new Dutch health insurance premiums for 2026 will be announced. Want to be the first to know? Sign up for our newsletter and receive the 2026 premiums directly in your inbox.
Do I need a Dutch health insurance in 2026?
Yes, everyone living or working in the Netherlands must take out at least a basic health insurance. If you need it and want it, you can also add extra coverage.
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.
When does my child need a Dutch health insurance?
Our expert Nienke explains
Cheapest health insurance
Bewuste Keuze
Budget in-kind policy
€ 149,90 per maand
Budget basic health insurance
€ 129,90 with € 885 deductible
100% reimbursement for healthcare providers with a contract
60% reimbursement for healthcare providers without a contract
For a number of medical aids and taxi transport, you can choose from a limited number of care providers with a contract.
100% reimbursement for healthcare providers with a contract
85% to 100% reimbursement for providers without a contract
With healthcare providers without a contract, you will be reimbursed 100% of the market rate, unless it concerns mental health care and nursing and care. In that case, you will be reimbursed a maximum of 85% of the average contracted rate.
You can also add a supplemental health insurance to your basic insurance. With an additional insurance, you are covered for healthcare that is not included in the basic package. Think of glasses and lenses, physiotherapy, alternative care or dental treatments.
Do I receive a fine for not having a health insurance in the Netherlands?
Should I increase my deductible?
Our basic health insurances
The basic health insurance is mandatory in the Netherlands. Together with , we make sure everyone can find an affordable health insurance that truly fits your healthcare needs. We offer several basic health insurance packages. This way, you always choose the coverage that matches your healthcare situation and budget.
How does the Dutch health insurance work?
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. Do you need extra care, like dental treatment or physiotherapy? Then you can choose an additional or dental insurance for extra coverage.
You can change your Dutch health insurance for 2026 between 12 November and 31 December 2025. This way you always have a health insurance that matches your healthcare needs.
What is covered in the basic health insurance?
The basic health insurance in the Netherlands covers most essential medical costs. It includes:
What is the Dutch health insurance deductible?
In the Netherlands, everyone with a basic health insurance pays a yearly deductible (also known as ''). This is the maximum amount you pay yourself for care from the basic insurance.
For 2026, the deductible is € 385 per year.
You only pay the deductible when you use healthcare from the basic health insurance. You never pay it in advance. It does not apply to additional or dental insurances.
Bespaar op je zorgverzekering
Verzekerd vanaf € 129,90 bij € 885 eigen risico
20% op alle aanvullende verzekeringen
Gratis tandongevallenverzekering
€ 129,90 per month with € 885 deductible
Easily declare healthcare
costs via our app
20% discount
on additional insurances
Our customers rate us
with a 9,1
Our cheapest health insurance is Bewuste Keuze with a monthly premium of € 129,90 with € 885 deductible.
VGZ
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.
eigen risico
healthcare experts
Expat in the Netherlands
If you work and live in the Netherlands, you must take out a basic 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.
the SVB
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
.
additional health insurance
Our additional insurances
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 2026, it is smart to choose a supplemental health insurance.
dental insurance
Compare dental insurances
A
is one of the most popular supplemental health insurances in the Netherlands. That's because dental care for adults is not covered in the basic health insurance. With a dental insurance, you cover part of your dentist costs. The exact coverage depends on the dental insurance you choose.
Step 1: Fill in your date of birth
You can also add your partner or child to the insurance.
Step 2: Choose a policy and deductible
Do you also want extra coverage like dental care or physiotherapy? Then add an additional insurance.
Step 3: Switch and save
Choose the health insurance that fits you best. You can save up to € 280,00 per year.
You can change your health insurance in the Netherlands between 12 November and 31 December 2025. Do you want to switch mid-year? That’s only possible in special cases:
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 -
You can choose a Dutch health insurance every year from November 12th till December 31st. You can apply changes on your health insurance from November 12th till January 31st.
Dutch health insurance halfway through the year
Do you want to change your Dutch health insurance after the 31st of January? You can switch your health insurance halfway through the year in the following situations:
When you have a Dutch health insurance, you may be eligible for healthcare benefits. The healthcare benefits ('zorgtoeslag' in Dutch) is a contribution paid by the government. How much you might receive, depends on your income. Visit the website of the
(Dutch Tax Administration) to calculate whether you are eligible for healthcare benefits.
Expert in health insurances
You have turned 18 years old.
You're leaving active military service.
You're moving from abroad to the Netherlands or vice versa.
You and your partner are going to divorce or separate and share a health insurance.
Belastingdienst
Bespaar op je telefoonabonnement
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Korting op alle brandstoffen
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Veilig tanken bij bemande tankstations
If you are obligated to have a health insurance in the Netherlands, but did not apply for one, then you will receive a letter from the Centraal Administratie Kantoor (CAK), reminding you to apply for the mandatory basic health insurance. If you do not apply for a health insurance within four months of your arrival, you will be ordered to pay a fine.
Whether or not it's smart to increase the mandatory deductible (excess), depends on your personal situation. You must be financially able to pay the deductible in one go if you need care.
Do you hardly ever need care and can you pay the deductible in one go? Then increasing your deductible may be worthwhile.
Good to know:
If you choose for an increased deductible, you cannot pay it in installments.
Voluntarily increase your deductible
You can choose to increase the mandatory deductible of € 385,00 with a voluntary deductible. This can be done with an amount of € 100, € 200, € 300, € 400 or € 500. Increasing your deductible gives you a discount on the monthly premium. If you need care for which you have to pay the deductible, there is a chance that you will have to pay more than the mandatory € 385,00.
