How Dutch health insurance works
The Netherlands has a unique healthcare system that combines mandatory private insurance with government regulation. Every resident must have basic health insurance (basisverzekering), which covers a government-defined package of essential care. Insurers are required to accept everyone for the basic package, regardless of health status.
On top of the basic package, you can choose optional supplementary insurance (aanvullende verzekering) for things like dental care, physiotherapy, and alternative medicine.
What's covered by basic insurance
The government-mandated basic package covers:
- GP (huisarts) consultations
- Hospital care and specialist treatment
- Prescription medication
- Mental healthcare (GGZ)
- Maternity care and obstetrics
- Ambulance transport
- Physiotherapy (limited sessions for chronic conditions)
- Medical devices and prosthetics
Not covered by basic insurance
Dental care (for adults), most physiotherapy, glasses/contact lenses, cosmetic procedures, and alternative medicine are not included in the basic package. You need supplementary insurance for these.
Costs breakdown
| Component | 2026 amount |
|---|---|
| Basic premium (monthly) | €140 - €175 depending on insurer |
| Mandatory eigen risico (annual) | €385 |
| Income-dependent contribution (ZVW) | 5.32% of salary (paid by employer) |
| Supplementary insurance (optional) | €10 - €80/month |
Choosing an insurer
Since the basic package is the same everywhere (government-mandated), the main differences between insurers are:
- Monthly premium: Varies by €20-35/month between the cheapest and most expensive.
- English support: Critical for expats — some insurers have fully English customer service and documentation.
- Supplementary options: Quality and price of dental, physio, and other add-ons vary significantly.
- Customer satisfaction: Service quality, claim processing speed, and app/website usability.
- Natura vs restitutie: Natura policies are cheaper but limit you to contracted providers. Restitutie policies reimburse any provider, offering more freedom.
Use our Health Insurance Comparison tool to compare providers side by side.
Zorgtoeslag (healthcare allowance)
The zorgtoeslag is a monthly government subsidy to help cover health insurance premiums. You may be eligible if your income is below certain thresholds:
- Single: Income below approximately €38,520 per year
- With fiscal partner: Combined income below approximately €48,224 per year
The maximum zorgtoeslag is approximately €130/month for singles and €265/month for couples. Apply via toeslagen.nl with your DigiD.
30% ruling holders
If you have the 30% ruling, your zorgtoeslag eligibility is based on your taxable income (after the 30% deduction), not your gross salary. This means some 30% ruling holders with high salaries may still qualify for zorgtoeslag.
Annual switching period
Every year from November 12 to January 1, you can switch your basic insurance provider with no penalty. Your new policy starts January 1. This is the only time you can switch basic insurance (supplementary insurance can be changed at any time, though some have waiting periods).
During switching season, compare providers carefully — premiums change every year, and the cheapest option last year may not be the cheapest this year.
Tips for expats
- Register within 4 months: You must have insurance within 4 months of registering at the gemeente. If you miss this deadline, the CAK will assign you an insurer and charge back-premiums.
- Choose English support: CZ, ONVZ, and Zilveren Kruis are known for good English customer service. This matters when you need to call about claims or coverage.
- Consider dental insurance: Adult dental care is not covered by basic insurance. A basic dental supplement (€10-15/month) can save you hundreds if you need fillings or checkups.
- Apply for zorgtoeslag immediately: Don't wait — the allowance is not retroactive for more than a year.
- Register with a GP early: Many GP practices have waiting lists, especially in Amsterdam and other major cities. Register as soon as you have insurance.
Frequently asked questions
Is health insurance mandatory in the Netherlands?
Yes. Everyone who lives or works in the Netherlands is legally required to have basic health insurance (basisverzekering). You must sign up within 4 months of registering at your municipality (gemeente). Failure to do so can result in fines from the CAK.
What is the eigen risico (own risk)?
The eigen risico is your annual deductible — the amount you pay out of pocket before insurance covers costs. In 2026, the mandatory eigen risico is €385. You can voluntarily increase it (up to €885) to lower your monthly premium. GP visits, maternity care, and mental health care are exempt from the eigen risico.
Can I use my European Health Insurance Card (EHIC) instead?
No. The EHIC is only for temporary stays. If you live or work in the Netherlands, you must have Dutch health insurance (basisverzekering), regardless of whether you have an EHIC from another EU country.