National Health Insurance

Health insurance provides insurance cover for the cost of medical care. If you work and pay income tax in the Netherlands, you are a subject to the Dutch social security legislation. This means that you are obliged by law to take out health insurance. A health insurance policy is a Dutch insurance policy that provides coverage for healthcare costs and meets the requirements of the Zorgverzekeringswet (Dutch Health Insurance Act).


Even if you are already insured for health care costs in your own country, you must still take out health insurance in the Netherlands. You must have Dutch health insurance for the whole time that you work in the Netherlands. (Exemption: If your country of residency is another EEA state, and you also work in that country, you can be insured in your home country based on EU regulation 1408/71). Ask the Sociale Verzekerings Bank, SVB, for more information. There is also a number of cases in which you are not subjected to Dutch social security law because of your purpose and duration of stay (posted workers, students etc.). Read more about this in the Other Kinds of Health Insurances section. 

What do you need to do to take out a health insurance?

You must take out a health insurance from a health insurance provider yourself. Your employer may offer collective health insurance at reduced rates for the company’s staff and you may be eligible to join the scheme. Ask your employer for more details. Every health insurance provider is obliged to accept you for insurance under the basic health insurance package. Your health and age are irrelevant. The health care covered by the basic health insurance package is the same for every health insurance provider. The premium payable may vary, depending on the health insurance provider. Children under 18 years of age do not pay a premium, however, you have to chose a health insurance provider and take out the health insurance for them too. If you work in the Netherlands, any family members (partner and children) resident in a treaty country are entitled to have their healthcare costs in their country of residence paid for under their Dutch insurance policy.   

You must therefore pay a contribution for any family members over the age of 18. In order to receive health care under Dutch insurance in their country of residence, your family members will need to register. Ask your healthcare insurance provider for a registration form.

Please note: The health care insurance provider will need the BSN in order to complete the registration process. You will generally be issued with a BSN when you register with the municipality.


You can find more information on the health care insurance system in the Netherlands on the website of the Ministry of Health.





Sluiten x

Hulp nodig?

Aarzel niet om een vraag te stellen of kom langs bij het Expat Center!

We zijn hier om je te helpen!