Moving to the Netherlands as an immigrant is an exciting opportunity, but it comes with several responsibilities one of the most important being obtaining health insurance. The Dutch healthcare system is recognized globally for its high-quality services, efficiency, and accessibility. However, navigating insurance options can be complex for newcomers unfamiliar with the system.
Health insurance in the Netherlands is mandatory for all residents, including immigrants who plan to live or work in the country. It ensures access to medical care, prescription medications, and preventive services while protecting individuals from high medical costs. Understanding the process, types of insurance, and eligibility criteria is essential for compliance and peace of mind.
This guide provides a comprehensive overview for immigrants on how to get health insurance in the Netherlands, including the types of insurance, application steps, costs, coverage, and tips for selecting the best provider.
Why Health Insurance is Mandatory in the Netherlands
The Netherlands has a universal healthcare system designed to provide high-quality medical services to all residents. Health insurance is compulsory for anyone registered with the Dutch municipality and working or living in the country. Failing to have insurance can lead to fines and coverage gaps in case of illness or accident.
The system is structured to ensure that everyone has access to essential healthcare while promoting shared financial responsibility. Health insurance also covers preventive care, emergency services, and chronic disease management, making it a crucial component of living safely in the Netherlands.
Types of Health Insurance in the Netherlands
Immigrants have several insurance options depending on their needs, residence status, and employment situation. The two primary types of insurance are:
1. Basic Health Insurance (Basisverzekering)
The basic health insurance is mandatory for all residents, including immigrants. It covers essential medical care such as:
- Visits to general practitioners (GPs)
- Hospital care and specialist treatment
- Prescription medications
- Maternity care and certain preventive screenings
- Mental health services
While the basic coverage is standardized by law, premiums and additional benefits may vary by insurer. Every resident must have at least the basic package.
2. Supplementary Health Insurance (Aanvullende Verzekering)
While the basic plan covers essential care, supplementary insurance provides additional services such as:
- Dental care for adults
- Physiotherapy
- Alternative medicine
- Extended hospital accommodations
Supplementary insurance is optional, but it is recommended for immigrants who need coverage beyond the essentials.
Eligibility for Health Insurance
Most immigrants in the Netherlands are eligible for health insurance if they meet the following criteria:
- Registration with the municipality (gemeente): Immigrants must register at their local city hall and receive a BSN (Burger Service Number), which is required for insurance.
- Residence status: This applies to employees, self-employed individuals, students, or family members of Dutch residents.
- Working or studying in the Netherlands: Immigrants who are employed or enrolled in a recognized educational institution are obligated to have insurance.
EU/EEA citizens may have temporary exemptions if they are covered under their home country’s insurance. However, non-EU immigrants are required to obtain Dutch health insurance immediately upon arrival.
Step-by-Step Guide to Getting Health Insurance in the Netherlands
Step 1: Register with the Municipality
Before applying for health insurance, you must register at your local municipality. Registration provides you with a BSN (Citizen Service Number), which is mandatory for all administrative processes, including insurance.
Step 2: Choose an Insurance Provider
The Netherlands has multiple private insurance companies offering basic and supplementary packages. Popular providers include:
- Zilveren Kruis
- VGZ
- CZ
- Menzis
- Achmea
It is essential to compare providers based on:
- Premium costs
- Customer service
- Additional benefits
- Network of healthcare providers
Step 3: Select a Health Insurance Package
After choosing a provider, select a package that suits your needs. Consider:
- Coverage limits
- Deductible (eigen risico)
- Supplementary services
The deductible is the amount you pay out-of-pocket each year before insurance covers additional expenses. For 2026, the standard deductible is approximately €385 per year, although this can be increased voluntarily to lower monthly premiums.
Step 4: Apply for Health Insurance
Applications can be submitted online through the insurer’s website. Required documents typically include:
- BSN (Citizen Service Number)
- Passport or valid ID
- Residence permit or visa
- Proof of employment or student enrollment
Once approved, you will receive an insurance policy and card, which you must present during medical visits.
Step 5: Pay Premiums
Premiums are typically paid monthly, and the amount depends on the insurer and coverage level. Some employers may contribute to your health insurance if you are employed in the Netherlands.
Step 6: Confirm Your Coverage
After enrollment, ensure your policy covers all necessary medical services. Keep your insurance card and documents accessible for appointments, prescriptions, and emergency care.
Health Insurance Costs in the Netherlands
Monthly Premiums
The cost of basic health insurance ranges from €110 to €150 per month, depending on the insurer and package. Supplementary insurance may cost an additional €20 to €50 per month.
Deductible (Eigen Risico)
The standard annual deductible is €385, which you pay for most medical care before insurance coverage begins. Increasing the deductible can reduce monthly premiums but requires careful consideration.
Financial Assistance
Low-income immigrants may qualify for zorgtoeslag (healthcare allowance) from the Dutch government, which helps cover insurance premiums. Eligibility depends on income, age, and residency status.
Tips for Choosing the Right Health Insurance
- Compare providers online: Use websites like Independer.nl to compare premiums and coverage.
- Understand the deductible: A higher deductible lowers premiums but increases out-of-pocket costs.
- Check supplementary coverage: If you need dental care, physiotherapy, or alternative treatments, consider a supplementary plan.
- Confirm network access: Ensure your preferred hospitals and clinics are covered by the insurer.
- Consider international travel coverage: Some policies include medical care outside the Netherlands.
Exemptions and Special Cases
- EU/EEA citizens: May remain on their home country insurance if staying temporarily.
- Short-term visitors: Students or temporary workers may need only travel or private insurance.
- Special health programs: Immigrants with chronic conditions should inform insurers to ensure coverage.
Consequences of Not Having Health Insurance
Failure to obtain mandatory health insurance in the Netherlands can result in:
- Fines and penalties: The government can impose financial penalties.
- Limited access to healthcare: Hospitals may refuse non-emergency care without insurance.
- Backdated premium payments: Insurers may bill you retroactively for the period you were uninsured.
Additional Services Covered by Dutch Health Insurance
Dutch health insurance typically covers:
- General practitioner visits
- Specialist consultations
- Hospital care
- Prescription medications
- Maternity care
- Mental health services
Supplementary insurance may cover:
- Dental care for adults
- Physiotherapy and rehabilitation
- Alternative medicine
- Extended hospital rooms
- Eye care and vision correction
Health Insurance for Students in the Netherlands
International students in the Netherlands must also comply with insurance requirements. Options include:
- Dutch student health insurance: Affordable coverage with essential care.
- EU Health Insurance Card (EHIC): Valid for EU/EEA students staying temporarily.
- Private international insurance: Recommended for non-EU students or those with specific medical needs.
Conclusion
Obtaining health insurance in the Netherlands is mandatory and crucial for immigrants. The Dutch system provides comprehensive coverage, access to high-quality healthcare, and financial protection in case of illness or accident. By following the steps outlined in this guide—registering with the municipality, selecting a provider, applying for the right package, and paying premiums—immigrants can ensure compliance and safeguard their health.