Health Insurance in the Netherlands

When you are living or working in the Netherlands, basic health insurance is mandatory. Within 4 months of your arrival in the Netherlands, you will have to enroll with a health insurer. 

Basic and supplementary health insurance

The Dutch health insurance consists of a mandatory health insurance and an optional supplementary insurance. 

  • Basic health insurance covers basic medical care, hospital treatment, maternity care and most medical products.
  • Supplementary insurance covers medical care that is not included in the mandatory health insurance, for example dental care for adults and physiotherapy. 

For an overview of insurance premiums and a complete overview of medical care covered by the health insurance, read more.

UnitedConsumers discount

With UnitedConsumers, you will receive up to 10% discount on the mandatory health Insurance from VGZ. If you have any questions about our health insurance, please contact us at or call 040 – 235 05 60. One of our advisors will answer your call immediately. That's what we do.

Healthcare benefit

When you have a Dutch healthcare insurance, you may be eligible for a healthcare benefit. The healthcare benefit is a contribution by the government and depends on your income. Visit the website of the Dutch Tax Administration (Belastingdienst) to calculate whether you qualify for receiving a healthcare benefit.

What happens if I’m uninsured?

If you are not insured, you will receive a letter from the Central Administration Office (CAK: Centraal Administratie Kantoor), reminding you to apply for mandatory health insurance. If you do not enroll for a health insurance within three months of your arrival, you will be ordered to pay a fine. 

Read more about health insurances on our website (information in Dutch):

Eigen risico
Eigen bijdrage
VGZ zorgverzekering
Verhuizen naar Nederland
Goedkope zorgverzekering
Alles over zorgverzekeringen
Health Insurance especially for expats