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Health insurance in the Netherlands
Everyone who lives or works in the Netherlands is obliged to take out a Dutch health insurance. A Dutch health insurance is necessary, so that you won't have to worry about medical costs.
Apply for one of our Dutch health insurances and start saving right away!
Calculate Dutch health insurance
Up to 20% off on additional health insurances Up to 20% off on additional health insurances
How does the Dutch health insurance work?
In the Netherlands, the government is mostly responsible for the accessibility and quality of the Dutch healthcare system. Therefore, the Dutch government determines the coverage of basic health insurances every year. Since the Dutch health insurance market is a free market, you can choose your own insurance provider. Whatever fits you the best!
Good to know: it is mandatory to take out at least a basic health insurance. You can add supplementary health insurances of your own choice.
Dutch health insurance 2023
of UnitedConsumers
Cheapest health insurance
Bewuste Keuze
€ 127,45 per month
- 100% reimbursement for healthcare providers with a contract
- 60% reimbursement for healthcare providers without a contract
- Choose between 3 supplementary insurance policies
Comprehensive health insurance
Basis Keuze
€ 132,95 per month
- 100% reimbursement for healthcare providers with a contract
- 70% reimbursement for healthcare providers without a contract
- Choose between 6 supplementary insurance policies
Complete health insurance
Eigen Keuze
€ 153,65 per month
- 100% reimbursement for healthcare providers with a contract
- 90% - 100% reimbursement for healthcare providers without a contract
- Choose between 6 supplementary insurance policies
What is covered in the basic health insurance?
Every year, the government determines the coverage of the basic health insurances. The basic health insurance covers most of the basic medical expenses. It includes:
- Medicines
- General Practitioner
- Help by physician specialists
- Midwifery and maternity care
- Hospital stays and treatments
- Dental care up to the age of 18
Tip! Check the complete overview of the basic health insurance coverage on the website of Zorginstituut.
Dutch health insurance halfway through the year
You can choose a Dutch health insurance every year from November 12 till December 31. You can apply changes on your health insurance from November 12 till January 31. Do you want to change your Dutch health insurance after January 31? You can switch your health insurance halfway through the year in the following situations:
- 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.
Apply for Dutch health insurance
in 4 steps
Step 1: Fill in your date of birth
Step 2: Choose your policy and 'eigen risico'
Step 3: Add an additional insurance (optional)
Step 4: Apply for a Dutch health insurance
Did you know...
"A Dutch health insurance is mandatory for everyone over the age of 18, including your children. As soon as your child turns 18, your child must have its own health insurance in the Netherlands. Until then your child is co-insured."
Nienke Wuits - Expert in health insurances
Extra security with supplemental insurances
An additional or dental insurance is not mandatory in the Netherlands. But might come in handy when you need specialized medical care. Such as physiotherapy or dental care. Choose an additional insurance for extra security of your health costs.
Frequently asked questions about health insurance Netherlands
If you are studying abroad in the Netherlands for a while and don't work in the Netherlands, you are not obliged to have a Dutch health insurance. Are you a student in the Netherlands? Please follow the following advice:
- In case you have a paid internship during your study, it’s important to check your insurance situation at the SVB.
- In case you are sick or have complaints, look for a General Practitioner in your area.
- In case of an emergency, call 112 for an ambulance.
Good to know: if you start working in the Netherlands, you are obliged to take out a Dutch health insurance.
Yes, you do. If you work and live in the Netherlands, you are required to have a mandatory basic Dutch health insurance. It doesn't matter if you're from within or outside of the EU. Make sure you are insured within 4 months after your Dutch residence permit commences. If you have any more questions, please don't hesitate to contact our healthcare professionals.
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.
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 Belastingdienst (Dutch Tax Administration) to calculate whether you are eligible healthcare benefits.
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