Health Insurance in the Netherlands: An Essential Guide

The Netherlands has one of the best healthcare systems in the world, providing high-quality healthcare services to its residents. However, it is important to note that health insurance is mandatory for everyone living in the country. This article provides an in-depth look at how the Dutch health insurance system works, its requirements, types of coverage, and the costs associated with it.

1. Overview of Health Insurance in the Netherlands

Health insurance in the Netherlands is regulated by the government, with the primary goal of ensuring that everyone has access to necessary healthcare services. The country has a universal healthcare system, which combines private insurance with a robust system of public regulations.

The Dutch health insurance system is founded on the principle of "solidarity," meaning that individuals pay into the system based on their income, and in return, they receive medical care when needed. The system ensures that everyone has access to necessary medical care, regardless of their financial situation.

2. Mandatory Health Insurance

In the Netherlands, health insurance is mandatory for everyone who is a resident, whether they are Dutch citizens or foreign nationals living in the country. If you are planning to move to the Netherlands, you must arrange for health insurance within four months of your arrival.

There are two types of health insurance that individuals in the Netherlands must have:

• Basic Health Insurance (Basisverzekering): This is the mandatory coverage required by law. It covers essential healthcare services such as visits to the general practitioner (GP), hospital stays, and prescription medications. The basic package covers a wide range of healthcare services but does not include everything.

• Supplementary Insurance (Aanvullende Verzekering): This is an optional additional insurance that people can purchase to cover services not included in the basic package. These services can include dental care, physiotherapy, and alternative medicine.

3. How Does Health Insurance Work in the Netherlands?

Once you register with a health insurance provider in the Netherlands, you will receive a health insurance card, which will allow you to access medical care. The insurance system operates on a system of reimbursement, where individuals pay upfront for services and then submit claims to their insurance provider to be reimbursed.

When it comes to the basic insurance plan, premiums are paid monthly. However, you will also need to pay a mandatory excess (own risk) amount, which is an annual amount that you must pay before your insurance starts covering certain costs. For 2025, the mandatory excess is set at €385 per year.

4. What Does Basic Health Insurance Cover?

The basic health insurance covers the following services:

• Primary Care: This includes visits to your general practitioner (GP) for consultations, vaccinations, and minor health concerns.

• Hospital Care: If you need hospital treatment, your basic insurance will cover most of the costs, including surgery and emergency care.

• Prescription Medications: Basic insurance covers most prescription drugs that are deemed necessary for medical treatment.

• Maternity Care: Costs associated with childbirth, including prenatal and postnatal care, are covered under basic insurance.

• Mental Health Care: Basic health insurance covers essential mental health services, including therapy and psychiatric care, but may require a referral from your GP.

5. Supplementary Insurance

Supplementary health insurance is optional but can provide additional coverage for services not covered by the basic plan. Some of the services covered by supplementary insurance include:

• Dental Care: While basic health insurance covers essential dental care for individuals under 18, adults need to take out supplementary insurance to cover costs like fillings, crowns, or orthodontics.

• Physiotherapy: Many people opt for supplementary insurance to cover physiotherapy treatments, which are typically not covered under basic insurance.

• Chiropractic and Alternative Medicine: For those seeking alternative treatments such as acupuncture or chiropractic care, supplementary insurance is often needed.

It is important to note that supplementary insurance varies between providers, so it’s crucial to compare the options before deciding which coverage suits your needs.

6. Costs of Health Insurance in the Netherlands

Health insurance premiums in the Netherlands can vary based on several factors, such as your age, the type of coverage, and the insurance provider. On average, the monthly premium for basic health insurance in 2025 is between €100 and €150 per person. This premium is usually paid monthly, and individuals can choose the excess amount (own risk) they wish to pay.

If you opt for supplementary insurance, your premium will increase accordingly. For example, dental coverage or physiotherapy may add an additional €10 to €30 to your monthly premium.

In addition to monthly premiums, individuals are required to pay an annual excess (own risk) of €385 before certain healthcare costs are covered. This excess applies to most services covered by the basic insurance plan, including hospital care and prescription medications.

7. Choosing a Health Insurance Provider

There are many health insurance providers in the Netherlands, and it is essential to choose one that suits your personal needs and budget. Some of the well-known providers include:

• Zilveren Kruis

• VGZ

• Achmea

• CZ

• Menzis

When choosing a provider, it is important to compare premiums, coverage options, and customer service. Additionally, it is a good idea to check if your preferred healthcare providers (such as doctors and hospitals) are included in the provider’s network.

8. Conclusion

The Dutch health insurance system is designed to ensure that everyone has access to essential healthcare services. Health insurance is mandatory, and everyone living in the Netherlands must arrange for coverage. The basic health insurance package covers essential services, while supplementary insurance is available for additional coverage. Although health insurance in the Netherlands can be costly, the system provides high-quality care and ensures that no one is left without necessary medical attention.

If you are planning to move to the Netherlands or are a new resident, it’s important to arrange your health insurance promptly. Be sure to compare options to find the best plan for your needs and budget, ensuring peace of mind and access to essential healthcare services.