🩺 Health insurance 3 min read
Health insurance for families
Children are insured for free. Adults each need their own policy. Here's how to set this up calmly and how supplementary cover affects family budgets.
General guidance, not financial or legal advice.
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Children under 18
Co-insured automatically and free on a parent's policy. No own-risk applies for any care for children.
Adults
Each adult chooses their own insurer. Couples don't need the same provider — pick what fits each person.
Supplementary cover worth considering for families
Optional, but often calming to have.
- Dental for adults
- Physiotherapy
- Maternity / kraamzorg top-up
Common questions
When do I add my newborn?
Register the baby at the gemeente; they get a BSN, then add them to a parent's policy. Cover is retroactive from birth.