Health insurance is more than just a requirement in the Netherlands—it’s your key to accessing one of the best healthcare systems in the world.
Whether you’re relocating for work, education, or family, understanding the Dutch health insurance system is essential for every immigrant.
This comprehensive guide will walk you through everything you need to know about Netherlands health insurance for immigrants, including mandatory requirements, affordable providers, how to apply, and key benefits.
Why Health Insurance is Mandatory in the Netherlands
The Netherlands operates a universal healthcare system built on private insurance models.
Every resident, including expats and immigrants, is legally required to take out basic health insurance if they are planning to live or work in the country for longer than four months.
Key Highlights:
- High-quality medical care
- Comprehensive coverage for general and specialist healthcare
- Subsidized premiums through government allowances
- Free healthcare for children under 18
If you fail to get insured, you may face penalties or back-pay obligations. So, securing the right health coverage isn’t just wise—it’s legally required.
Types of Health Insurance in the Netherlands
The Dutch system categorizes health insurance into two main types: basic health insurance (basisverzekering) and supplementary health insurance (aanvullende verzekering).
1. Basic Health Insurance (Compulsory)
Every registered resident must have this. It covers:
- Visits to general practitioners (GPs)
- Emergency care and ambulance services
- Hospital stays and surgeries
- Prescription medication
- Maternity and postnatal care
- Mental health services
- Specialist consultations
2. Supplementary Insurance (Optional)
This is ideal for immigrants who need extra services such as:
- Dental care for adults
- Physiotherapy
- Vision (glasses and lenses)
- Alternative treatments (e.g., acupuncture)
While basic insurance is regulated by the government, supplementary policies vary by provider and price.
Who Needs Health Insurance in the Netherlands?
You are required to get Dutch health insurance if you:
- Are working in the Netherlands (EU/EEA or non-EU citizen)
- Have a residence permit and are staying for more than 4 months
- Are a student working part-time or doing an internship
You do not need Dutch insurance if you:
- Are a tourist or staying less than 4 months
- Hold a European Health Insurance Card (EHIC) for short-term stays
- Is a posted worker covered under your home country’s system?
How to Choose a Health Insurance Provider
There are over 30 insurance companies in the Netherlands offering basic packages at competitive rates. All provide the same coverage by law but differ in service, premiums, and supplementary plans.
Factors to Consider:
- Monthly premium cost
- Customer service (Dutch and English support)
- Deductible amount (own risk – eigen risico)
- Coverage options and network of healthcare providers
You can switch providers once a year, usually in December and January.
Top Health Insurance Providers for Immigrants in the Netherlands
Here are some of the most popular health insurers that are expat-friendly and offer English-language services:
| Provider | Monthly Premium (Basic) | Key Features |
| Zilveren Kruis | €131–€145 | Large network, English service, good for families |
| CZ | €133–€147 | Strong mental health support, broad GP access |
| Menzis | €130–€140 | Affordable plans, online tools in English |
| ONVZ | €137–€149 | Comprehensive supplementary options |
| Just (by CZ) | €128–€136 | Budget-friendly, ideal for young immigrants |
| Ditzo | €129–€135 | App-based service, good digital tools |
Always compare plans through official comparison websites like:
Monthly Costs and Deductibles
Basic Health Insurance Cost:
- Average premium: €130–€145 per month
- Children under 18: Free
Deductible (Eigen Risico):
- Standard annual deductible: €385
- Optional increase up to €885 (lowers monthly premium)
This deductible only applies to certain treatments, not GP visits, maternity care, or pediatric care.
Government Health Insurance Allowance (Zorgtoeslag)
To make healthcare more affordable, the Dutch government offers a monthly allowance (zorgtoeslag) to low-income individuals and families.
Eligibility Criteria:
- You are over 18
- You have Dutch health insurance
- You earn below €38,520 per year (2024)
- You have assets below a set threshold
Allowance Amount:
- Single person: Up to €154/month
- Couples: Up to €265/month
Apply via the Dutch Tax Office at
Health Insurance for International Students
If you’re studying in the Netherlands, your insurance requirement depends on your situation.
Scenarios:
| Situation | Insurance Needed |
| Studying only, no job | EHIC or private international insurance |
| Part-time job or internship | Mandatory Dutch health insurance |
| scholarship recipients | Check with your institution or sponsor |
Some popular insurers offer student-specific packages (e.g., AON Student Insurance, LoonZorg).
How to Apply for Health Insurance in the Netherlands
Applying is a straightforward process and can often be done online in English.
Steps to Apply:
- Register with the municipality and get your BSN (citizen service number)
- Compare providers on official websites
- Choose a plan and apply online
- Provide required details: passport, BSN, employment info, bank account
- Receive confirmation and insurance card within days
You typically have 4 months from registration to secure insurance. After that, the CAK (healthcare authority) may enroll you forcibly with fines.
Healthcare Services You Can Access With Insurance
Once insured, you’re eligible to receive care under the basic package from a wide network of professionals.
Covered Services Include:
- General practitioner (huisarts) visits
- Hospital treatments and surgeries
- Mental health care (GGZ)
- Maternity care and postnatal checkups
- Prescribed medications
- Emergency transport (ambulance)
You must first register with a local GP as they are your gateway to most services.
Tips for Immigrants Using the Dutch Healthcare System
Register with a GP Early
Appointments are required for non-emergency care. The GP handles referrals to specialists.
Keep Your Insurance Card Handy
You’ll need it for every medical visit or pharmacy pickup.
Understand the Co-Pay System
Some treatments involve a small out-of-pocket cost—especially under supplementary plans.
Check Hospital Networks
Make sure your insurance plan covers the hospitals and clinics near you.
Use Your Insurer’s App
Most providers have user-friendly mobile apps to track claims, appointments, and reimbursements.
Special Cases: Temporary Workers, Expats, and Families
For Expats and Workers:
If you’re employed in the Netherlands—even temporarily—you must take out Dutch insurance regardless of your nationality.
For Families:
Children are automatically covered under your plan until age 18. Some providers offer family plans with discounted supplementary coverage.
For Newly Arrived Immigrants:
You’re eligible for Dutch health insurance as soon as you:
- Receive your residence permit
- Register in the BRP (Municipal Personal Records Database)
Don’t delay—get covered within four months to avoid backdated payments.
Common Challenges and Solutions
Language Barrier
While most insurers have English websites, some medical paperwork and procedures may be in Dutch.
Solution: Choose an insurer known for strong expat support and English-speaking customer service.
Understanding Billing
Medical bills and co-pays can be confusing for newcomers.
Solution: Use the app or dashboard from your insurer to track bills, deductibles, and reimbursements.
Delays in Coverage Start
You must back-pay for the months you were uninsured (from registration date), even if you didn’t use the healthcare system.
Solution: Apply for insurance as soon as you receive your BSN.
Conclusion
The good news is that affordable and comprehensive coverage is available to all immigrants, with options tailored to students, workers, and families.
By understanding the system, choosing the right plan, and applying early, you can access excellent care and stay protected during your stay in the Netherlands.
Whether you’re in Amsterdam, Rotterdam, or Eindhoven, peace of mind begins with being properly insured.