What is the best Dutch Health Insurances in the Netherlands?

Top 5 Dutch Health Insurances

Compare the most popular Health Insurances in the Netherlands and choose the Health Insurance that fits your needs!

This article is published 24 juni 2021. Last Updated on 15 maart 2024.

Health insurance is mandatory for all residents of the Netherlands. This social insurance system requires everyone – employed, self-employed, students, and those on social benefits – to have basic coverage. If you’re an expat working for a Dutch company, your employer likely includes health insurance in your benefits package. Otherwise, you must purchase your own health insurance. This is crucial, as it covers essential medical expenses like doctor visits, hospital stays, and prescription medication If you want to read more about Dutch Health Insurances, go to the Dutch Government website.

Top 5 Dutch Health Insurance

Health InsurancePrice (Starting from)
FBTO€131- / Per Month
Anderzorg€141,- / Per Month
ASR€142,- / Per Month
Menzis€140,- / Per Month
Zorg en Zekerheid€138,- / Per Month

How does Health Insurance work in the Netherlands?

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.

When you need medical treatment, you typically visit a doctor or hospital and present your health insurance card. The cost of the treatment will be covered by your insurance, and you may be responsible for paying a deductible or co-pay.

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

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.

Healthcare in the Netherlands: full guide (2022) - Wise

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

Change Health Insurance in the Netherlands

You can change your Health Insurance in the Netherlands from the beginning of December until January. You will see that Health Insurance companies in the Netherlands will start to aggressively advertise to make you convert and this is for good reason. At this moment you can go shopping for a good deal or negotiate a better deal with your current Health Insurance.
It’s almost always better to change from Health Insurance, because they have better deals than staying with your current health insurance.

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.

Introduction of the author: Rogier

Rogier is a Dutch citizen with experience living and working as an expat in multiple countries. Roger has a deep understanding of the complex Dutch financial landscape and is able to provide insights to help other expats make informed financial decisions.