How Dutch health insurance works
Health insurance (zorgverzekering) is mandatory in the Netherlands. Here's how it works, what 'basisverzekering' covers, and what newcomers usually miss.
General guidance, not financial or legal advice.
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The 4-month rule
If you live or work in the Netherlands, you must arrange Dutch health insurance within 4 months of your registration (BRP) date. Cover starts retroactively from the date you became insurable.
What basic insurance (basisverzekering) covers
Every Dutch insurer must offer the same legally-defined basic package. Premium and service differ — the cover doesn't.
- GP (huisarts) visits — no own-risk applies
- Hospital care, specialists, emergency care
- Most prescription medicines
- Maternity and basic mental healthcare
Own risk (eigen risico)
Adults pay a yearly deductible (set by government, ~€385) before most non-GP care is reimbursed. Children are free.
What basic insurance does NOT cover
Dental care for adults, glasses, physiotherapy and alternative medicine usually need an aanvullende (supplementary) policy.
Common questions
What happens if I don't take Dutch insurance?
The CAK can fine you and enrol you in a default policy. Premiums also become payable retroactively. Don't wait.
Can I keep my home-country insurance?
Usually not, if you live or work here. Exceptions exist for short stays, students and posted workers — check your situation.
I earn little — can I get help paying for it?
Yes. Many residents qualify for zorgtoeslag (healthcare allowance) from the Belastingdienst.