Health insurance in the Netherlands

Every Dutch citizen has to have a basic health insurance. With this insurance every Dutch person is assured of medical care. Insurers must accept everyone for the basic insurance. For additional insurance they do not have the obligation to accept every person.

Every Dutch citizen is legally obliged to have a health insurance. There are special arrangements for those who work in the Netherlands but living abroad and vice versa.


Dutch health insurance coverage

The government has composed a basic package that insurers should legally provide to every customer. Each health insurer offers this basic coverage:

  • Medical care, including care provided by GPs, hospitals and medical specialists
  • Hospitalization
  • Dental care (up to 18 years; from 18 years only specialist dentistry and dentures)
  • Medicines
  • Midwives and maternity care
  • Patient transport (ambulance transport and seated transport)
  • Therapies (limited physiotherapy, speech therapy, dietary advice etc.)

In  2016 everyone has to pay the first 385 euro of the health costs. This amount is known as your ‘own risk’. The own risk policy does not apply to:

  • Visit GP
  • Obstetrical care
  • Maternity care