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Health Insurance in the Netherlands
In the Netherlands, having proper health insurance is essential for residents, including expatriates. Understanding the Dutch health insurance system is crucial for accessing medical services and staying compliant with local regulations. This guide will provide an overview of health insurance in the Netherlands, covering basic Dutch health insurance to comprehensive medical plans for expats.
Health Insurance in the Netherlands: A Complete Guide
Understanding Dutch health insurance is an important step when relocating to the Netherlands. Whether you're moving for work, study, or family, securing the right Dutch health insurance ensures you can access quality medical care whenever needed.
In this guide, we walk you through the essentials of arranging medical insurance in the Netherlands, from costs to coverage, to help you settle in smoothly.
Is Healthcare Free in the Netherlands?
Healthcare in the Netherlands is not free. Residents, including internationals, are legally obliged to arrange their own health insurance through a certified insurance company. The Dutch healthcare system is funded through a combination of private insurance premiums and government oversight.
If you plan to stay longer than four months, you must register for healthcare insurance. Temporary visitors or students might rely on private health insurance until they meet the residency requirements.
How Does Health Insurance Work?
The health insurance system in the Netherlands blends public regulation with private service delivery:
- Residents must purchase a health insurance policy from a private health insurer.
- The government mandates the basic coverage that all insurers must offer.
- Everyone must be accepted for the basic plan, regardless of health history.
You can choose:
- The amount of own risk (eigen risico)
- Optional additional insurance for services not covered by the basic package
- Whether you prefer a free choice of healthcare providers or a network-based plan
Each year, there is an opportunity to review and switch your insurance plan during the open enrollment period (mid-November to December 31).
How Much Do You Pay for Dutch Health Insurance?
The cost of Dutch health insurance can vary. Premiums differ between insurance companies and are updated annually based on healthcare system costs. On average, expect to pay between €110 and €150 per month for basic coverage. In addition, there is a mandatory deductible (eigen risico) of €385 per year, which must be paid before your insurer fully reimburses certain medical costs.
Healthcare Benefit (Zorgtoeslag)
To make health insurance more affordable, the Dutch government offers the healthcare benefit (zorgtoeslag). This monthly benefit is available to residents with lower incomes and can significantly reduce your health insurance premiums.
If you are eligible, you can apply online through MijnToeslagen.nl.
What Does Basic Health Insurance Cover?
All basic Dutch health insurance policies must cover medical expenses such as:
- Visits to your general practitioner
- Hospital and specialist treatments
- Emergency care
- Mental healthcare (with referral)
- Prescribed medications
- Maternity care and postnatal assistance
- Basic dental care for children under 18
- Limited physiotherapy sessions
Services like adult dental care, extended physiotherapy, optical care, and alternative therapies usually require additional insurance.
Choosing the Right Health Insurance for Your Situation
When selecting Dutch health insurance, consider the following options:
- Freedom of choice for your doctor and specialists
- English-speaking customer service
- Coverage of international medical costs
- Flexibility with additional insurance options
Popular health insurers offering expat-friendly plans include Zilveren Kruis, VGZ, Menzis, and OHRA. It is wise to compare multiple insurance companies each year, as offerings and premiums may change.
Private Insurance Options
Some internationals also choose to take out private health insurance for broader coverage. Private insurance goes beyond the Dutch basic package and offers benefits such as:
- Worldwide medical coverage
- Private hospital accommodation
- Faster access to non-contracted healthcare providers
- Full coverage for treatments abroad
This option is especially useful for frequent travelers, professionals with specific healthcare needs, or those who prefer maximum flexibility in their care.
The Difference Between Additional Insurance and Private Insurance
Many newcomers wonder about the difference between additional insurance and private insurance. Here's what you need to know:
- Additional insurance (aanvullende verzekering) supplements your Dutch basic health insurance for specific services like dental care, optical care, or extra physiotherapy.
- Private insurance (private ziektekostenverzekering) provides broader, often international healthcare coverage that may replace parts of the Dutch healthcare system, depending on the policy you choose.
Long-Term Care and Health Insurance
The Netherlands also provides access to long term care for residents with serious chronic conditions through the Long-Term Care Act (WLZ). If you require continuous care, your GP or healthcare provider can assist you with the application process.
Switching Health Insurers
Each year, between mid-November and December 31, residents can switch to a different health insurer. You might consider switching if:
- Your healthcare needs have changed
- You find a more competitive insurance plan
- You want different additional insurance options
Comparison websites such as Independer.nl can help you find the best match based on your needs and preferences.
Final Thoughts: Your Health Insurance Journey
Arranging your Dutch health insurance is a fundamental part of settling into life in the Netherlands. It ensures access to quality care and provides peace of mind as you begin your new adventure.
At Undutchables, we understand the excitement and challenges that come with relocating, and we’re here to help. From finding the right information about medical insurance to supporting your career journey, we are your partner every step of the way.
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