National health insurance
Everyone who works and lives in the Netherlands is obliged to take out a basic level of zorgverzekering (national health insurance) within the first 4 months of arrival, regardless of whether they have existing health insurance from another country.
The legislation for this law is set out in the Wet Langdurige Zorg (Long-term Care Act) and the Zorgverzekeringswet (Health Insurance Act). National health insurance is free for children up to 18 years of age, they are automatically insured under their parents, guardians or caregivers policy .
This national health insurance is not to be compared to private health insurance, such as found in Australia, the UK or the US. National health insurance in the Netherlands provides access to state provided medical care.
Dutch insurance providers are legally obliged to accept every applicant, irrespective of their medical history or requirements. You are charged a monthly premium. If you are on a low income, you may be eligible for the healthcare allowance. You can find more information on the Rijksoverheid's website government.nl which provides information in English.
Note that there is a eigen risico (deductible or excess amount) you must pay before your healthinsurer starts to reimburse for healthcare you received. In 2025 the deductible for health insurance is €385. The government sets this amount annually. It is possible to increase the amount voluntary to a maximum of €885 to receive a discount on your premium.
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The national health insurance policy can be expanded to cover additional/chronic needs: it is important to check out what is available and what particular requirements might be. One way to compare various types of policies on offer is to use comparison websites such as Independer or Zorgkiezer.
National health insurance providers can only be changed once a year. A letter will be sent by the current provider in November each year to confirm the policy details for the following year. If moving to another provider, the current provider needs to be informed before 1 January and a new provider must be confirmed by 1 February or a fine may be imposed.
The healthcare insurance provider will require a Burgerservicenummer – BSN (citizen service number) in order to complete the registration process for each family member.
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Businesses and organisations often provide collective health insurance for their employees; however these policies can be more expensive and may not suit specific medical requirements.
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There are a number of situations where residents and employees are exempt, this is due to the purpose and duration of stay in the Netherlands (posted workers, students etc.). These exemptions are covered under the Wet Langdurige Zorg (Long-term Care Act) and are governed by the Sociale Verzekerings Bank – SVB (social insurance bank).
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You live in the Netherlands, so if you require healthcare here, you want it reimbursed without any unnecessary complications, even though you already have foreign medical expenses insurance. The 'Verdragspolis' makes this possible, without having to pay an extra premium. You do need to pay for the compulsory deductible.
You can register for the 'Verdragspolis' if:
- you work in a foreign country or receive a pension or benefits from a foreign country, and
- you live in the Netherlands and are insured in an EU member state, EEA country, or another treaty country, you can found a list of the treaty countries at the website of CZ.
Further information and also the possibility to register for the CZ Verdragspolis can be found at the website of CZ.
TIP: Dental care is not usually within the basic policy for adults and it can be worthwhile and cost-effective to supplement national health insurance with a dental package. Orthodontics is not normally covered by standard dental insurance, a further level of insurance is required.