Health Insurance in the Netherlands for Expats: Guide 2026
Dutch health insurance (zorgverzekering) is mandatory for all residents. This guide explains how the system works, what it costs, how to choose a provider, and how zorgtoeslag can reduce your costs.
Do expats need health insurance in the Netherlands?
Yes, Dutch health insurance is mandatory for all residents including expats. You must arrange basic coverage (basispakket) within 4 months of becoming a resident. The average cost is EUR 130-150 per month, but zorgtoeslag can cover most of this for low-middle incomes.
Key Facts
- Mandatory for all residents
- Must arrange within 4 months
- Basic package costs EUR 130-150/month
- Zorgtoeslag can cover most costs
- Annual deductible is EUR 385
- Employers may offer group plans
Step-by-Step Process
- 1
Understand the System
Dutch healthcare has mandatory basic insurance (basispakket) and optional supplementary insurance. The basic package covers GP visits, hospital care, and essential treatments.
- 2
Compare Providers
All basic packages cover the same services, but prices vary. Use comparison sites like Independer.nl or Zorgwijzer.nl to find the best deal.
- 3
Choose Your Coverage
Decide on your deductible (eigen risico) and whether you want supplementary coverage for dental, physiotherapy, or alternative medicine.
- 4
Sign Up Online
Most insurers allow online sign-up. You will need your BSN, Dutch address, and bank account details. Coverage can start within days.
- 5
Apply for Zorgtoeslag
If your income is below the threshold, apply for zorgtoeslag through mijntoeslagen.nl to receive up to EUR 123/month toward your premium.
- 6
Switch Annually
You can switch health insurers every year in November-December for coverage starting January 1st. Use this to optimize your costs.
Helpful Tips
- Sign up for health insurance as soon as you have your BSN
- The legal deadline is 4 months after becoming a resident - do not miss it
- Higher deductibles mean lower monthly premiums but more out-of-pocket costs
- GP visits are fully covered with no deductible
- Prescriptions count toward your deductible
- Consider dental supplementary insurance - basic dental is not covered
Quick Answer for Expats
Dutch health insurance is mandatory and consists of a basic package covering essential care. Expats should arrange coverage quickly and apply for zorgtoeslag to reduce costs if eligible.
- Mandatory within 4 months
- Compare providers for best deal
- Apply for zorgtoeslag after
- Annual deductible EUR 385
- Supplementary coverage optional
Need help arranging health insurance and applying for zorgtoeslag? Start with our eligibility check.
Start Eligibility CheckFrequently Asked Questions
Basic health insurance costs approximately EUR 130-150 per month. The mandatory annual deductible is EUR 385. Zorgtoeslag can cover most of the premium for eligible expats.
The basic package covers GP visits, hospital care, specialist care, prescription medications, mental healthcare, maternity care, and more. Dental care for adults is not included.
The eigen risico is an annual deductible of EUR 385 that you pay before insurance covers most costs. GP visits are exempt from the deductible.
Generally no - if you work or live in the Netherlands, Dutch health insurance is mandatory. Exceptions exist for posted workers and cross-border workers.
Zorgtoeslag is a monthly healthcare allowance that helps cover insurance costs. Singles earning under approximately EUR 38,000 can receive up to EUR 123 per month.
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