ACCESS NL > Healthcare in the Netherlands > Dutch medical insurances > Dutch health insurance > Do I need a Dutch health insurance or can I use an international health insurance?

Dutch health insurance

What is included in the basic Dutch health insurance package?

Are there different health insurance policies? And what is the difference?

Is dental healthcare covered by the insurance?

Can I get additional coverage for my health insurance?

How will my children be insured?

Do I need to take out Dutch health insurance if I am on a short-term stay?

Do I need a Dutch health insurance or can I use an international health insurance?

When you are legally living or working in the Netherlands for longer than four months, it is compulsory to get a Dutch health insurance, the so-called basisverzekering (basic insurance). If you have an international health insurance, please be aware that this might not be accepted, as it is not recognised as a valid Dutch health insurance. Upon arrival, it is best to have a look in your policy to see what the coverage of your international health insurance is.

The following rule applies:

If you are insured under the Wet Langdurige Zorg – Wlz (Long-term Care Act) you are obliged to take out a Dutch health insurance. You can ask the Social Security Office (Sociale Verzekeringsbank- SVB) if you are insured under this act.

If I don’t have a Dutch health insurance policy yet, is there a way to get my medical costs reimbursed?

I just took out a Dutch health insurance policy but now the insurance company wants me to pay the premium for a few months retrospectively. Can they do that?

What will happen if I don’t take out Dutch health insurance?

Is there a deductible (eigen risico)?

My residence permit has expired and my application to renew it has been rejected. Can I still get medical help here?

Can I use my Dutch health insurance abroad?

I have a Dutch health insurance and would like to change to another insurance company. How can I arrange this?