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 with a suitable health insurance. Please feel free to contact us any time for personal advice.

The Dutch health insurance

When you live or work in the Netherlands you have four months to apply for a health insurance. By law, everybody has to have a basic health insurance. The start date of your health insurance will always be the day you registered or have start working in the Netherlands.


How does the Dutch health insurance work?

The basic health insurance is a statutory insurance and reimburses the costs for basic healthcare, such as general practitioner, pharmacy and hospital stays, and is a statutory requirement. The government determines which reimbursements form part of the basic health insurance and sets up the own excess of €385,- a year (2019). This is a contribution you have to pay yourself in case of an insurance claim. Seeing your general practitioner are excluded from your own excess and therefore always paid by the insurer. For example some treatments and medicines are not. You can choose to add a voluntary own excess to your mandatory excess. This will reduce your insurance premium and will be possible in steps of € 100,- to a maximum of € 500,-.
Children under the age of 18 do not have an own excess and there is no extra premium to insure them on your health insurance.


There are two types of basic health insurance: in-kind policies (Natura) and refund policies (restitutie). With an in-kind policy you are opting to go to care providers with whom insurers have agreements on price and quality. If you go to a non-contracted care provider, it is possible you do not get the entire bill reimbursed. The reimbursement is in this case approximately around 50 to 80 percent.


With a refund policy in contrast to the in-kind policy you have freedom of healthcare choice. You are entitled to a higher reimbursement for healthcare from care providers who do not have a contract with insurers. That means you can go to any care provider you want. Because you can go to any care provider, it is possible you have to pay the bill in advance and declare at your health insurer later. The refund policy has a slightly higher premium.


Not all healthcare is covered by the basic insurance. It is optional to take out the additional insurance to cover, for example, dentist, vaccinations, physiotherapy, alternative cures, eye glasses and contact lenses. In contrast to the basic health insurance, insurers can refuse to accept you, or can ask about your health before accepting you for the additional insurance.


Only once a year you are able to change between health insurance providers.
This is possible between mid-November and the end of December. You have until the first of January to cancel your health insurance. From then you have till the first of February to arrange a new health insurance. The new health insurance will then starts with retroactive effect from the first of January.


Let us advise you on the best health insurance

The differences between health insurance premiums can be quite substantial. We are certified to advise you and your family to select a health insurance that meet your requirements and needs. We work with multiple health insurers and search and compare a wide range of policies, to find the best health insurance for you.

What our clients say about us

I highly recommend Independent Expat Finance to everyone. They do more then advisory, you can make sure that you will get answers for your questions anytime. I could not complete my mortgage journey without help of Serge and his team. If you are planning to take out a mortgage, don’t search for anywhere else especially if you are an expat in Netherlands
Tolga Kavukcu
Tolga Kavukcu
14:23 03 Oct 19
I definitely recommend to work with Independent Expat Finance! They work with a nice personal touch and take a lot of effort to sort everything out for you in the most convenient and fastest way, so they saved me a lot of stress and time as well!All in all, Independent Expat Finance is reliable and professional so I had a very pleasant time working with them together, especially during the meetings in person.
Lisa Isabell Stuemke
Lisa Isabell Stuemke
12:06 10 Oct 19
For expats wants to buy a house in the Netherlands, Independent Expat Finance is the solution! I bought my first house and very happy with the service along the way! I communicated mostly with Liaget and his colleagues Rogier and they are very professional, quick in response and honest advice! Very experienced people. He definitely entertains all questions you have with a clear details explanation. Highly recommended!
Nidal Hafil
Nidal Hafil
16:26 11 Nov 19
Highly recommend! I have worked with them twice the first time everything went smooth even though I was out of the country. The second time the Real Estate Agency was a scammer but luckily Independent Expect Finance handled everything professionally and didn't give up the fight. All in all, they are amazing and give great financial advice.
Lsa. Grg
Lsa. Grg
16:51 09 Sep 19
We worked with Liaget for couple of services; from mortgage application to life insurance. His expert advice and strong follow up helped us to get all services on time in full. We were able to get our mortgage approved almost only after 1 month in Amsterdam. It was not a typical application but still he handled very carefully and professionally. Would recommend his services to others as well.
09:23 13 Aug 19

Contact us

For more information or advice about Dutch health insurances.

Call me backSend me an e-mail

Why do expats

choose us?

  • Full support in English
  • Personal & Responsive
  • Wide-range of products and services
  • Guidance throughout the whole process
  • High flexibility

On a mission to buy a house in the Netherlands? Let us help you get the keys to your new home!


Reduce financial risks and get the support that you need. Getting the right insurance now may save you a lot of money in the future.

Health Insurances

Health Insurance is mandatory in the Netherlands, but you have a choice of numerous insurers all offering different packages and for different prices.

Consumer Loans

Renovating your home or looking to buy a new car? The right financing can be just a few steps away!