Be prepared when you and your family have medical needs.

Health insurance for expats in the Netherlands


If you’re looking for the most suitable Dutch health insurance, you’ve come to the right place! We work with multiple health insurers and compare on both coverage and pricing to provide you based on your needs and lifestyle with a tailormade offer. Please feel free to contact us any time for your personal Dutch health insurance advice.

Mandatory health insurance

In the Netherlands, health insurance is mandatory for all citizens. By law, everybody has to have a basic health insurance. Expats from outside the EU, EEA or Switzerland must take out a Dutch health insurance within 4 months after receiving their residence permit. Expats from the EU, EEA and Switzerland who are working in the Netherlands must take out a Dutch health insurance within 4 months after registering at the city hall. 

How does the Dutch health insurance system work?

For the Dutch health insurance you pay two costs: the monthly premium (premie) which is a fixed fee that you pay each month. This covers your basis verzekering. The ‘own risk’ amount (eigen risico) is an annual amount that you must pay for some treatments and medicines before your health insurance covers the rest. This amount is set at €385. Any other insurances that you might prefer, like dental insurance or emergency health care when traveling abroad, must be added on top of your basis verzekering. 

Let us advise you on the best health insurance

We offer advice on multiple insurers and we are certified to advise you and your family to select a health insurance that best meets your requirements and needs. The differences between insurance permiums can be quite substancial, so we advise you to take on a financial advisor like Independent Expat Finance to find the best health insurance policy for your lifestyle. 

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