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Dutch health insurance

What is included in the basic Dutch health insurance package?

Health insurance companies have an obligation to accept everyone for the basic package, irrespective of gender, age and health. It is compulsory for all residents of the Netherlands to take this package, but you may choose your own insurance company.

The coverage of the basisverzekering (basic health insurance) is determined by the government and is subject to annual review. However, insurance companies can decide themselves how the coverage will work. For example, some providers will only allow you to see local doctors, while others may offer the possibility to travel abroad for healthcare if the service is not available in the Netherlands.

It generally covers the following (but not always 100% of all costs):

  • hospital care
  • medication
  • rehabilitation
  • medical care by specialists, GPs and midwives
  • dental care for children up to age 18
  • therapists, such as speech therapists and dieticians
  • mental health care
  • maternity care
  • necessary medical help during a holiday or business trip abroad, worldwide

If you want to get medical help abroad, please check with your health insurance company which costs are covered, as it depends on the country you are going to visit. Emergency care abroad is covered for a maximum of 100% of the Dutch tariffs. Please be advised to contract an extra travel insurance that covers the costs on top of the 100% when visiting, for instance, the USA where healthcare costs are much  higher.  Click here for a list of Dutch health insurance providers.

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?

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 recently moved to the Netherlands and I don't have a BSN number. Is it possible to have health insurance without a BSN number?

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