What insurance do you need in the Netherlands? (2024)

What insurance do you need in the Netherlands?

You are required to have a Dutch public health insurance if you have a (part-time) job. Do you work on a self-employed basis contact the SVB and request an assessment of your Wlz position. The SVB will decide whether you need to take out a Dutch public health insurance or not.

What insurance is mandatory in Netherlands?

Every person who lives or works in the Netherlands is legally obliged to take out standard health insurance to cover the cost of, for example, consulting a general practitioner, hospital treatment and prescription medication. Additional health insurance is not compulsory.

What kind of health insurance does the Netherlands have?

In 2006 the new Health Insurance Act entered into force, under which all residents of the Netherlands are entitled to a comprehensive basic health insurance package. This act is implemented by private, competitive health insurers and healthcare providers.

Do I need insurance to go to Netherlands?

When you apply for a Schengen visa for the Netherlands you must have health insurance or travel insurance that covers any medical expenses you may incur while in the Schengen area. Find out what the insurance requirements are.

Can you live in the Netherlands without insurance?

Compulsory health insurance: start of coverage

If you come to live or work in the Netherlands, you are required to take out a health insurance policy with a Dutch insurer with coverage from the day you arrive.

What is basic insurance in Netherlands?

Are you living or working in the Netherlands? In most cases, you are obliged to take out basic health insurance. This insurance plan provides cover for basic healthcare treatments, such as hospitalisation, emergency care and GP visits.

What happens if I don t have health insurance in the Netherlands?

If you do not take out a standard insurance package, the Central Administration Office (CAK) will register you with an insurer and the premium will be withheld from your pay. If you need medical care but are not insured, you must pay the costs yourself.

Does Netherlands have Medicare?

While Dutch residents are automatically insured by the government for Wlz, everyone has to take out their own basic healthcare insurance (basisverzekering), except those under 18 who are automatically covered under their parents' premium. If you do not take out insurance, you risk a fine.

How does Dutch health insurance work?

The Dutch health insurance system is a combination of private health plans with social conditions built on the principles of solidarity, efficiency and value for the patient. Healthcare in the Netherlands is funded through taxation: mandatory health insurance fees and taxation of income (pre-specified tax credits).

Why is Dutch health insurance so expensive?

According to Bas Knopperts, a health insurance expert at Independer, premiums are rising because total care is becoming much more expensive. Hospitals and healthcare providers also face inflation and higher wage costs, he told RTL Nieuws.

What medications are not allowed in Netherlands?

Medicines that have a narcotic effect require a certificate. These include sleeping pills, strong painkillers, ADHD medication and medicinal cannabis. Ask your family doctor or pharmacy whether you need a certificate for your medication.

Do I need a health insurance to travel to Amsterdam?

Is travel insurance required for the Netherlands? Travel insurance is mandatory if you need a Schengen Visa for the Netherlands. If you don't need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

What can you not bring into the Netherlands?

Restricted or prohibited to import / export
  • Pets. Bringing in pets across the border or import and exporting pets? ...
  • Counterfeit articles. ...
  • Protected animal and plant species. ...
  • Animal products and foodstuffs. ...
  • Plants, flowers, fruit and vegetables (phytosanitary products) ...
  • Weapons and ammunition. ...
  • Medicines. ...
  • Drugs (Opium Act)

How much does Dutch insurance cost?

The average basic Dutch health insurance premium in 2023 is about 135 euro per month. Premiums are paid directly by each person to the chosen health insurance company. The amount depends on the chosen healthcare policy, deductible excess and selected supplemental coverages (if applicable).

How long can you live in the Netherlands without citizenship?

If you want to stay in the Netherlands for longer than 90 days and you are not a national of an EU country, Liechtenstein, Norway, Iceland or Switzerland, you will need a residence permit. Often, you will also need an authorisation for temporary stay (MVV) to enter the Netherlands.

What is proof of living in the Netherlands?

Your passport or ID card is sufficient proof of your rightful residency in the Netherlands. The EEA comprises EU countries, Liechtenstein, Norway and Iceland .

Is medical free in Netherlands?

The Netherlands has universal healthcare, but the government requires all adults living or working in the Netherlands to have basic insurance. The basic plan will cost € 100-120 out of pocket. If you're employed, your employer will pay a small percentage towards medical coverage as well.

How much is national insurance in Netherlands?

National insurance premium

It covers old age, death, long-term disability, certain medical expenses and child benefits. The total premium for national insurance is 27.65%, which is divided in: AOW (General Old-age Pensions Act): 17.9%. *

How much is the fine for not having health insurance in the Netherlands?

Have you received a letter stating that you do not have Dutch health insurance? If you do not take out Dutch health insurance within 3 months of the date of this letter, you receive a fine of €496.74.

How much does expat health insurance cost?

How much does international health insurance cost? The annual cost of an international medical insurance plan will range from as low as $500, with limited benefits, to as much as $8,000 for a comprehensive global medical insurance policy, including coverage in the USA. The average cost is $5,500 per year.

What countries accept American Medicare?

Your Medicare coverage follows you if you travel to:
  • Another state in the U.S.
  • District of Columbia.
  • Puerto Rico.
  • U.S. Virgin Islands.
  • Guam.
  • Northern Mariana Islands.
  • American Samoa.

Is health Care expensive in the Netherlands?

The Netherlands Health Insurance Average Costs

The price for a standard package can cost 80–130 EUR (90–140 USD) per month. The average monthly price for most is around 110 EUR (120 USD). In addition to that, you will need to pay the deductible, also called policy excess in the Netherlands.

Does the Netherlands have Social Security?

If you live or work in the Netherlands you are insured for social security benefits. There are certain schemes under which you can receive money if you have little or no income. If you live abroad there are some situations in which you may still be insured for social security benefits.

How much is health insurance in the Netherlands per month?

The Cost of Dutch Health Insurance

The average basic Dutch health insurance premium in 2021 is approximately 120 euro per month. Basic health insurance in the Netherlands comes with a standard, obligatory deductible excess of 385 euro (in 2021).

Is surgery covered by insurance Netherlands?

The following services are covered by the mandatory basic insurance: Visiting your GP. Ambulance services, hospital stays, emergency treatment and surgery. Medicine prescriptions and blood tests (for some medication and medical aids, you will have to make a personal contribution to cover their costs)


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