Health insurance in the Netherlands | Expats
Health insurance in the Netherlands | Expats
A health insurance is compulsory for everyone who lives or works in the Netherlands. Expats coming from a European country can be insured by the insurance of their home country via an EHIC (European health insurance card). If you are an expat from outside the EU, EEA or Switzerland, you must take out a Dutch basic health insurance within four months of receiving your residence permit. EU, EEA or Swiss nationals coming to the Netherlands as expats must take out a health insurance within four months of registration at the municipality.
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Veelgestelde vragen
What health insurance options are available for expats in the Netherlands?
What health insurance options are available for expats in the Netherlands?
Expats in the Netherlands can choose between Dutch public health insurance and international health insurance plans. Most residents are required to have health insurance by law. Compare options to find coverage that suits your situation and budget.
Do I need a Dutch health insurance as an expat?
Do I need a Dutch health insurance as an expat?
Yes, health insurance is mandatory for all legal residents of the Netherlands, including expats. You must obtain health insurance within 4 months of arrival. Use ZorgKiezer to find the right plan.
How much does expat health insurance cost in 2026?
How much does expat health insurance cost in 2026?
Expat health insurance in the Netherlands costs EUR 150-300+ per month in 2026, depending on age, coverage level, and insurer. You may qualify for healthcare allowance (zorgtoeslag) which reduces your costs.
Can I use Dutch health insurance in my home country?
Can I use Dutch health insurance in my home country?
Dutch health insurance typically covers emergency care abroad through the EHIC card in EU countries. For extensive coverage outside the EU, you may need additional travel or international insurance. Check your specific policy terms.
What is the process to get health insurance as an expat in the Netherlands?
What is the process to get health insurance as an expat in the Netherlands?
Apply directly with an insurer online or via their office. You need an ID, proof of residency, and BSN. Processing usually takes 1-2 weeks. Start your application immediately upon arrival to avoid penalties.
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