Health insurance in the Netherlands operates as a mandatory social insurance system, where all residents are required to have basic coverage. The system is based on the principle of community-rated premiums, which means that everyone pays the same premium regardless of their age or health status.

The Dutch health insurance system is divided into two parts: basic insurance and supplementary insurance. Basic insurance covers a wide range of medical treatments, including doctor visits, hospital stays, and prescription drugs. All residents are required to have basic insurance, and the cost of the coverage is shared between the individual and the government.

Supplementary insurance, also known as “aanvullende verzekering,” covers additional treatments and services not covered by basic insurance, such as dental care, physiotherapy, and alternative medicine. This insurance is optional and individuals can choose to purchase it to enhance their coverage.

Health insurance companies in the Netherlands are private and for-profit, but are regulated by the Dutch government to ensure they offer coverage to everyone who needs it. The government also regulates the cost of the premiums to ensure they remain affordable for everyone.

We wouldn’t recommend European Health Insurance if you stay longer than 2 months.

What’s changing in 2025?

Starting in 2025, Dutch health insurance will have some updates. The government wants to make health insurance less expensive, so your monthly payments might be lower. You might also get more benefits, like extra coverage if you’re pregnant or have diabetes. For example, imagine you need special medication for diabetes. In 2025, your health insurance might cover more of the cost of that medicine, saving you money. And if you’re expecting a baby, your plan could include more visits to the doctor or help with the costs of giving birth. Finding the right plan for you will also be simpler. Keep in mind that these are just some of the changes, so it’s always best to check with your insurance company or the official government websites for all the details.

How can I apply for health insurance in the Netherlands?

To apply for health insurance in the Netherlands, you can follow these steps:

1. Determine if you are eligible for public health insurance, or if you need private health insurance.
2. Research and compare health insurance plans from different insurance companies.
3. Choose a plan that fits your needs and budget.
4. Submit your application and necessary documents, such as proof of residency and income, to the insurance company.
5. Wait for the insurance company to approve or reject your application.
6. Once approved, start paying your monthly premium.
7. Keep your insurance card with you and present it to healthcare providers when receiving medical treatment
8. Always look in December to see if you can get a better deal with another Health Insurance.

Compare Health Insurances in the Netherlands?

If you want to compare health insurances to fit what fit you best, there are several ways of doing this. We would recommend using the best comparing websites in the Netherlands to see which Health Insurance fits you best. The website will ask you for a short questionnaire to find out which one fits you best. The top 3 comparison website for Health Insurance in the Netherlands are:

1. Independer
2. Zorgkiezer
3. PriceWise

Cost of Health Insurance in the Netherlands

Health insurance in the Netherlands generally costs 110-250 euros per month. While a basic package may be suitable for healthy individuals, carefully consider the terms and conditions. Some treatments, like physiotherapy, might have session limits or require specific providers. The coverage for medication and alternative medicine also varies between plans.

Coverage in the Netherlands

The extent of coverage depends on the specific health insurance plan. At a minimum, all health insurance plans cover visits to a general practitioner (known as “Huisarts” in Dutch), commonly used medicines, and emergency services. To learn more about the Base package, which is set by the government, refer to the relevant information on their website.

Paying Own Risk

Dutch health insurance plans often include a deductible called an “own risk / Eigen Risico.” This means you’ll pay up to a certain amount (usually 385 euros) for medical costs before your insurance starts covering expenses. You can select a deductible between 0 and 885 euros. If you can afford a slightly higher monthly premium, choosing a 0 euro deductible offers the most comprehensive coverage. You can compare them on various websites.

Expat Health Insurance and Employer Involvement:

In the Netherlands, your employer can’t pay your health insurance directly. Some may offer an allowance for it within your salary. You’re responsible for finding coverage. Important: Salary deductions aren’t for health insurance; they’re for a system that supports you if you become unable to work due to health reasons.