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.
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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.
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:
Tip! Check the complete overview of the basic health insurance coverage on the website of Zorginstituut.
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:
"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
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:
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.