Health insurance in NL

Dutch health insurance is required for all people who live or work in The Hague and the Netherlands. You have to take out a health insurance policy within 4 months after you register in the Municipal Personal Records Database (BRP).

The key to the health care system is the Basic Health Insurance, a mandatory population-wide scheme. The coverage of this standard package (basisverzekering) is determined by the government and includes medical care by specialists, GPs and midwives, hospital care, medication, rehabilitation, dental help for young people, mental health care and necessary medical assistance during a trip abroad.

Health insurance companies

Health insurance companies are obliged to accept everyone for the basic health insurance regardless of gender, age and health. Health insurance companies also offer additional premium plans. These may cover things such as physiotherapy, spectacles, dental care and alternative medicine. By taking out extra insurance (aanvullende verzekering), you will get more coverage.

Regardless if you were insured in your country of origin, you will still need to apply for a Dutch health insurance. In order to take out an insurance, you will need DigiD. In some cases, companies or employment agencies offer group health care insurance. The premium will be deducted from your salary and your employer will pay your insurance. Ask your manager about your insurance policy. If you lose your job, make sure you remain insured.

Affordable insurance policy

The Municipality of The Hague offers affordable health insurance for low-income households.

International students

If you are a foreign student, you do not always have to take out health insurance. Whether you need one depends on the duration of your stay, if you work or do an internship, or if you are insured in your home country.

Register with a GP

After taking out your health insurance, you will have to register with a general practitioner (GP) or family doctor. Your doctor will be your first point of contact for all medical issues. You can choose any GP in your area. You need a referral from the GP before you can visit a medical specialist in the hospital.

Also see: ACCESS guide: Healthcare in the Netherlands

Published: 28 September 2017Modified: 28 September 2017