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Health insurance in the Netherlands
A health insurance is obligated for everyone who works and/or lives in the Netherlands. By obligating this, the Dutch healthcare system stays affordable and accessible for everyone. Moreover, you can avoid overwhelming high hospital or other healthcare bills!
If you apply for a Dutch health insurance with us, we will give you a discount on all our basic insurances and all of our additional and dental insurances. Also, if you choose an additional or dental insurance, we will give you a dental accident insurance for free!
Health insurance Netherlands
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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 grom abroad to the Netherlands or vice versa.
- You and your partner are going to divorce or separate and share a health insurance.
Dutch health insurance UnitedConsumers
Looking for an affordable and good Dutch health insurance? Then look no further! Because if you apply for a health insurance with us, you will benefit from an advantageous premium on the mandatory basic health insurance from one of the more popular insurance companies in the Netherlands: VGZ. Also, you'll receive up to 20% discount on all of the additional insurances and dental insurances. Thanks to our discount, you can save money that you can spend on something fun!
Dutch healthcare: how does it work?
Every year - on the third Tuesday of September (Prinsjesdag) - the Dutch government decides what medical care has to at least be covered in the basic health insurance. As soon as the health insurance companies know what healthcare has to be covered by law, it’s time for them to determine their prices for the monthly premium. This happens on the 12th of November at the latest.
Because the Dutch healthcare system is based on a free market principle, there are several insurance companies that offer health insurance plans. For that reason, the prices and coverage can differ and it is advisable to compare health insurances. If you compare health insurances, you will find one which best fits your situation - for the best price. For example, elderly people obviously don't need the same healthcare as an 18-year old.
If you need any advice on what kind of Dutch health insurance fits your situation best, we highly advice you to contact our service desk. Our trained healthcare experts are happy to help you out with any questions you may have regarding your health insurance.
Choose your health insurance
At UnitedConsumers you can choose three different kinds of basic Dutch health insurances. On our basic health insurances, we offer you an advantageous premium. Each basic health insurance has a different coverage for contracted and non-contracted healthcare providers.
Cheapest health insurance
UC Bewuste Keuze
Budget policy
€ 127,45 per month
- You can go to any hospital
- 60% reimbursement for healthcare provides without a contract
- Choose between 3 supplementary insurance policies
Comprehensive health insurance
UC Basis Keuze
Natura policy
€ 132,95 per month
- You can go to any hospital
- 70% reimbursement for healthcare providers without a contract
- Choose between 6 supplementary insurance policies
Complete health insurance
UC Eigen Keuze
Combination policy
€ 153,65 per month
- You can go to any hospital
- 90% - 100% reimbursement for healthcare providers without a contract
- Choose between 6 supplementary insurance policies
> Check our natura policy UC Ruime Keuze
> Check our natura policy UC Ruime Keuze
Health insurance coverage
The basic health insurance covers most of the basic medical expenses. For specific healthcare, like physiotherapy or treatments by your dentist, you might need an additional insurance. This is what the basic health insurance covers:
General Practitioner (GP)
Hospital care
Medicine
Emergency medical care
Basic dental care minors
Midwifery
Elderly care
Disabled care
Blood tests
Medical specialist
Medical transport
Mental healthcare
Additional health insurances
The additional health insurance is not mandatory in the Netherlands. However, it can be very useful if you need for example extra physiotherapy or alternative healthcare. If you know what medical care you might need in the coming year, it can be wise to choose an additional health insurance.
Additional health insurance UnitedConsumers
UnitedConsumers gives you up to 20% discount on all additional health insurances. Also, if you add an additional insurance, you will receive a dental accident insurance for free! You can choose between three different additional supplementary insurances, which have different health plans:
ZorgZeker 1
Additional health insurance
€ 6,98 per month
- Incl. 20% discount + free dental accident insurance
- Physiotherapy
6 treatments
- Alternative care € 150,-
In combination with: UC Basis Keuze, UC Ruime Keuze or UC Eigen Keuze.
ZorgZeker 2
Additional health insurance
€ 24,50 per month
- Incl. 20% discount + free dental accident insurance
- Physiotherapy
12 treatments
- Alternative care € 250,-
- Glasses and contact lenses € 100,- per 3 years
In combination with: UC Basis Keuze, UC Ruime Keuze or UC Eigen Keuze.
ZorgZeker 3
Additional health insurance
€ 39,85 per month
- Incl. 20% discount + free dental accident insurance
- Physiotherapy
24 treatments
- Alternative care € 300,-
- Glasses and contact lenses € 125,- per 3 years
In combination with: UC Basis Keuze, UC Ruime Keuze or UC Eigen Keuze.
> Check all additional health insurances
Dental insurance
A dental insurance is very commonly chosen in the Netherlands. This is because dental care for adults is not covered in the basic health insurance. By choosing dental insurance, you are covering certain dentist costs. How much, depends on which dental insurance you choose.
However, if you have good teeth, it can be cheaper to pay for the dental check-ups yourself, rather than paying for a dental insurance you barely use.
Dental insurance UnitedConsumers
UnitedConsumers gives you up to 20% discount on all additional dental insurances. Also, if you add a dental insurance, you will receive a dental accident insurance for free! You can choose between a dental insurance coverage of € 250,- or a dental insurance coverage of € 500,-.
Tandzeker 250
Dental insurance
€ 14,10 per month
- Incl. 20% discount + free dental accident insurance
- Periodic control
100% reimbursement
- Dental costs € 250,- per year
In combination with: UC Basis Keuze, UC Ruime Keuze or UC Eigen Keuze.
TandZeker 500
Dental insurance
€ 24,50 per month
- Incl. 20% discount + free dental accident insurance
- Periodic control
100% reimbursement
- Dental costs € 500,- per year
- Orthodontics up to 18 years
80% reimbursements up to max. € 1.000,- after 1 year of waiting time
In combination with: UC Basis Keuze, UC Ruime Keuze or UC Eigen Keuze.
Expat health insurance Netherlands
If you work and live in the Netherlands you are required to have a mandatory basic Dutch health insurance. Expats from within or outside of the EU also need a Dutch health insurance. Make sure you are insured at least within 4 months after your Dutch residence permit commences. If you have any more questions, please do not hesitate to contact our healthcare professionals.
Student health Insurance
Studying abroad in the Netherlands for a while? As long as you do not work in the Netherlands, you are not obligated to have a Dutch health insurance. If you are a student in the Netherlands, we give you 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, just look for a General Practitioner in your area.
- In case of an emergency you can call 112 for an ambulance.
Healthcare benefits
When you have a Dutch health insurance, you may be eligible for healthcare benefits. The healthcare benefits (the so called '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 (Belastingdienst) to calculate whether you qualify for receiving healthcare benefits.
What happens if I’m uninsured?
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 Central Administration Office (CAK: Centraal Administratie Kantoor), 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.
Checked by our specialist Nienke Wuits
The information about health insurances has been checked by Nienke Wuits, specialist in the field of health insurances. Nienke has been working at UnitedConsumers since 2011.
| Last checked on: 3-2-2023 |
