It is mandatory by law to have health insurance in the Netherlands. Learn more about the different possibilities

Anyone who resides or works in the Netherlands is required, under the Health Insurance Act (Zorgverzekeringswet), to take out insurance with a health insurer of their choice to cover medical expenses within four months of arrival.  

Please be aware that international health insurances are not usually accepted as a substitute for Dutch health insurance.  

Those with low income may be eligible for healthcare benefit to help pay for health insurance.   

Health Insurance in the Netherlands

Basic package  

The government decides on the cover provided by the standard package. All insurers offer the same standard package. Healthcare insurers are obliged to accept anyone who applies for the standard insurance package and must charge all policyholders the same premium, regardless of their age or state of health. You pay a fixed, nominal premium to your insurance company for the standard health insurance package.  

If you have an income or receive a social security benefit, you are additionally required to pay an income related premium, which will be deducted from your salary automatically. Depending on your situation, the percentage varies.  

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Extensive independent information provided by the Ministry of Health, Welfare and Sports about Health Care Insurances in English, German, Spanish, French and Polish can be found at Zorgverzekeringslijn. Their Healthcare Insurance Line can be reached at 0800-6464644 from within the Netherlands or +31-88-9006960 from abroad between 9am to 5pm.  

Zorgverzekeringslijn Website

The uninsured regulation

Everyone who lives or works in the Netherlands, is required by law to have a health insurance. You can get a warning, or eventually be fined if you have not taken out health insurance when you needed to do so. This is done by CAK, an orgaization that implements laws and regulations within the domain of care and welfare on behalf of the Ministry of Health, Welfare and Sport. Learn more about what to do if you are uninsured, or if you get a warning, on their website. 

CAK website

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