Health Insurance

Health Insurance In The Netherlands

Having health insurance in the Netherlands is mandatory for all people who live or work in the country. The Dutch system guarantees high-quality medical care and allows you to choose between different insurance companies.

Basic insurance coverage

The basic Dutch health insurance covers essential medical care such as:

Visits and treatments from the general practitioner.
Prescribed medication.
Hospital stays.
Assistance during childbirth by midwives.
Mental health care.
Physiotherapy for chronic illnesses.

Each year, the Dutch government publishes which services must be included in the basic package of this insurance. Children under 18 have free coverage under their parents’ plan.

In addition to the basic package, you can take out supplementary health insurance according to your needs. These may include: Acupuncture and homeopathy, Orthodontics, Additional physiotherapy, and Dental coverage.

That’s why it’s a good idea to compare prices and conditions before choosing the most suitable insurance.

Compare prices and options carefully before deciding on your medical insurance

Health insurance comparison websites

Each insurance company has its own prices and extra packages. At the end of every year, insurers publish their programs and rates for the following year.

You can easily compare your medical coverage and prices on the following official websites:

Independer
ZorgKiezer

To apply for health coverage, you will need your BSN number, an address in the Netherlands, and a Dutch bank account.

Health care coverage prices in the Netherlands

The basic health insurance costs approximately between 110 and 150 euros per month, depending on the insurer and the additional package you choose.

Some large companies offer collective health insurance for their employees. These policies often include discounts or partial contributions from the employer, which can reduce your monthly expenses.

All insurers apply a mandatory contribution called eigen risico (deductible).

This is the maximum amount you pay for medicines and treatments before the insurer covers the remaining medical expenses. As of 2025, it is 390 euros per year.

Health insurance for students and foreigners

Students from the European Union can continue using their European Health Insurance Card as long as they do not work. If you start working in the Netherlands, you must take out mandatory Dutch health insurance.

Living or working in the country without having Dutch health insurance can result in a government fine.

If your annual income is below €29,500, you can apply for a government allowance (zorgtoeslag) to help pay for part of your health insurance. To apply, visit this link.

Final tips

Compare prices and coverages carefully for health insurance in the Netherlands before making a decision.
Check the new offers from insurers every year.
If you work or live in the country, make sure you have your health insurance active to avoid fines.

Other things to take care of when you arrive in the Netherlands