Health insurance in the Netherlands


Every person who lives or works in the Netherlands is legally obliged to take out standard health insurance to cover the cost of, for example, consulting a general practitioner, hospital treatment and prescription medication. You may also opt to take out additional insurance to cover costs not included in the standard package.


When you come to live in the Netherlands, you register at the town hall. From that date, you must arrange Dutch health Insurance.

When you come to work in the Netherlands, you must arrange public health insurance from the day your contract starts.


The Dutch government gives you four months in which to apply for health insurance in the Netherlands. If you apply within those four months, the start date of the Dutch insurance will be the date you registered at the town hall. If you apply for health insurance after those four months, your insurance will start on the day you applied. That means that you won’t have been insured since the date you registered at the town hall.

You are legally obliged to take out basic health insurance when:

You officially live in the Netherlands

Everyone living in the Netherlands must arrange public health insurance. This means that your Dutch address must be officially registered with your Municipality (in Dutch ‘Gemeente’).

You work in the Netherlands

When you work in the Netherlands, you also pay tax on your wages here. That means you must arrange public health insurance. When you register, we need a copy of your contract and your payslip, not older than one month.

You receive unemployment benefit (WW) or sickness (ZW) benefit from the ‘UWV’

You may be receiving unemployment benefit from the UWV because you no longer have a job. If you receive unemployment benefit, you must still arrange public health insurance. You might also be receiving sickness benefit from the UWV because you are ill. In that case, you must still arrange health insurance in the Netherlands

You are self-employed

If you are self-employed and do not officially live in the Netherlands, you may be required to arrange public health insurance. This depends on several conditions. You can request a ‘WLZ Statement’ from the Sociale Verzekeringsbank to be sure.

You are an international student living in the Netherlands

If you officially live in the Netherlands because you are enrolled in a study programme, you are not required to arrange public health insurance. If you are only studying here, it doesn’t matter whether you are officially registered in the Netherlands or not.

However, if you start an internship or a part-time job beside your studies, you must arrange public health insurance.

HollandZorg public health insurance

With the HollandZorg Public Health Insurance, you are entitled to most of the necessary healthcare. Which type of care that is, is determined by the Dutch government. Each year, the Dutch government also determines the extent of the compulsory excess. The compulsory excess applies to every insured aged 18 or over.

The compulsory excess does not apply to all healthcare from the basic package of the public healthcare insurance. There is no compulsory excess for:
 

  • Visits to your GP
  • Medical aids given on loan
  • Follow-up checks of a donor following organ donation
  • Obstetric care
  • Maternity care
  • Integrated care
  • Home nursing and care

Voluntary excess

In addition to the compulsory excess, HollandZorg also offers a voluntary excess. In exchange for a

voluntary excess, you are given a discount on your public healthcare insurance premium. The higher

the voluntary excess, the lower the premium for your public healthcare insurance.

Supplementary health insurance in the Netherlands

With the compulsory public healthcare insurance in the Netherlands, you are entitled to most of the necessary healthcare. Supplementary insurance offers you more security. HollandZorg offers various supplementary insurances if you are in the Netherlands on a temporary basis and are obliged to take out insurance. Our supplementary insurances can be taken out only in combination with the HollandZorg Public Healthcare Insurance. You choose the supplementary insurance that fits in best with your personal situation.

What happens if you don’t take out Dutch health insurance?

If you do not take out a basic insurance package, the Central Administration Office (CAK) will register you with an insurer and the premium will be withheld from your pay. If you need medical care but are not insured, you must pay the costs yourself.
 

The CAK tracks down uninsured people. If you are still uninsured after receiving warnings and 2 fines, the CAK will take out insurance for you. The standard premium will be withheld from your salary, benefits or other income for 12 months. If you do not have a regular income, you will receive a giro collection form every month.