What is basisverzekering?
The basisverzekering (basic health insurance) is mandatory for everyone who works or lives in the Netherlands. You must take it out within 4 months of becoming obligated.
How much does it cost?
In 2026, the average basic premium is around 145-175 euros/month depending on insurer, plus a mandatory own risk (eigen risico) of 385 euros/year.
Main Dutch health insurers
| Insurer | Approximate monthly premium |
|---|---|
| Zilveren Kruis | ~160 euros/month |
| VGZ | ~155 euros/month |
| CZ | ~150 euros/month |
| Menzis | ~148 euros/month |
Zorgtoeslag: get back up to 123 euros/month
If your income is below ~38,000 euros/year, you qualify for zorgtoeslag — effectively making health insurance nearly free for many expats. Benefitly can apply for you.