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 phone call immediately. That is how we work.

Healthcare allowance

When you have a Dutch healthcare insurance, you may be eligible for a healthcare compensation. The healthcare allowance 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 the healthcare allowance.

What happens if I’m uninsured?

If you are not insured, you will receive a letter from the Healthcare Institute (Zorginstituut Nederland), reminding you to apply for mandatory health insurance. If you do not enroll with a health insurance within three months, you will have to pay a penalty. 

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