If you have temporary employment in The Netherlands you are usually obliged to apply for a Dutch health insurance. This can sometimes be done via your Dutch employer, however, it is easier to apply for a short-term health insurance policy online, for example, using a comparison tool. This guarantees you to find the most affordable and suitable policy in your situation.
Expats or students are obliged to obtain a health insurance in The Netherlands when:
- They have a temporary, part-time or full time job with a Dutch employer.
- They are self-employed in The Netherlands
It does not matter whether or not the employee lives in The Netherlands or abroad.
Insurance obligation stops
Your obligation to have a Dutch health insurance stops when you resign from your job or are dismissed. In that case you are no longer covered through the Dutch social security system, which means you must also cancel your health insurance in The Netherlands. You will no longer need to pay any premiums, nor are you eligible for health insurance allowance (zorgtoeslag).
Family members that reside in your country of residence are not able to take out health insurance in The Netherlands, except when your country of residence is a treaty country. Family members that are living in a treaty country may be eligible for Dutch health insurance. In this case you need a E106/S1 form to co-insure any family members.
Treaty countries are countries that lie within the EU or European Economic Area (EEA) or have a separate treaty with the Netherlands, such as Australia, Bosnia-Herzegovina, Cape Verde, Croatia, Macedonia, Morocco, Montenegro, Serbia, Turkey and Switzerland.
If the country of residence is not a treaty country with the Netherlands it will not be possible to co-inure family members. They will have to take out insurance in their country of residence.
Co-insured family members that are 18 years or older will have to pay a contribution under the Health insurance act (Zorgverzekeringswet, Zvw). You will receive an invoice from Zorginstituut Nederland each year. The financial compensation required differs per country of residence. You will pay the contribution to the Central Administration Office (CAK).
An overview of residence factors for each country are found on the website of CAK.
For foreign students temporarily residing in The Netherlands that do not have a (part-time) job there are three options to ensure medical cover:
- Use your European Health Insurance Card (EHIC) if you are from within the EU/EER or a treaty country
- Use a private healthcare insurance from your country of origin that covers you whilst in The Netherlands
- Choose an expat or international health insurance with medical cover in The Netherlands.
In order to successfully apply for a Dutch health insurance, the insurance company will need your personal information and social security number (BSN, burgerservicenummer) to complete your registration for an insurance policy. You will usually receive your BSN when you register with the municipality. Furthermore, you will likely need a Dutch bank account.