Koen Kuijper - zorgexpert
Koen Kuijper - Zorgvergelijker

Find a suitable and affordable Dutch health insurance

Our comparison tool will help you find a new, suitable health insurance in The Netherlands that fits all your needs. Applying is easy and can be done within 5 minutes.

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We are the first Dutch healthcare insurance broker for expats and students from abroad.

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Comparing health insurance policies is not complicated. Get personalized results the fast and easy way!

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Compare health insurance policies in The Netherlands

On this page, you can see an overview of the available insurance companies in The Netherlands. They are sorted by the monthly premiums they offer. With the filter on the left sidebar, it is possible to change your preferences regarding:

  • Choice of hospitals
  • Deductible excess
  • Coverage (supplemental health insurances)

Stepwise instruction But how do you compare the different insurance policies? Step 1 Fill in your year of birth; please note that the premiums may change later. Step 2 Select ‘free choice’ in the ‘hospitals’ section of the filter if you wish to select your own hospital and care provider. Note that most health insurance funds (without the free choice option) have an extensive range of hospitals you may choose from. Refer to the ‘hospitals’ tab for more information. Step 3 Select the deductible excess. A higher excess will result in a lower premium but also has some disadvantages. Refer to the ‘excess’ tab for more information. Step 4 Select any supplementary coverage you wish to have, such as, dental insurance, physiotherapy or insurance abroad.

  • Dental insurance: covers dentist treatments up to a certain amount/percentage.
  • Physiotherapy: covers a certain amount of physiotherapy treatments per year.
  • Insurance abroad: although the Dutch standard health insurance already covers emergency medical care abroad up to the Dutch tariffs, treatments in other countries may be more expensive, meaning you need to pay a percentage of the bill yourself. To extend your cover, you may choose either Europe or Global cover to get a higher (or full) reimbursement for treatments abroad (Europe or Worldwide).

Note: every time you select a filter, the comparison program will find the cheapest health providers in your situation, and sort them by monthly premium. Step 5 Once you have completed the filter options, refer to the results with an overview of all available health insurance providers. They are sorted by monthly premium. By clicking proceed you will redirected to the healthcare provider page where you can fill in your personal information and choose the insurance fund you want. Once you have applied, you will receive your policy form and insurance card within a few working days. Note: some health insurance companies have a dedicated page for English speaking customers. If available, this is indicated below the ‘proceed’ button. When comparing, keep an eye out for:

  • The customer rating
  • Specials deals
  • The best price

The Dutch healthcare system: how does it work?

If you work in The Netherlands, applying for basic health insurance is compulsory. Even if you have a part-time job or paid internship. The Dutch law dictates that all Dutch residents (including those with a residence permit) are at least insured for the basic healthcare insurance (basisverzekering in Dutch). From the moment you obtain your burgerservicenummer (BSN), you have four months to apply for a health insurance. You risk a fine if you wait too long. Basic insurance The basic insurance package is already quite extensive and is more or less equal for all health insurance companies.This basic healthcare insurance covers essential medical care, such as:

  • Visits and treatments by a general practitioner
  • Pharmaceuticals
  • Hospital care and other medical care, operations and treatments performed by doctors and physicians, such as surgeons, paediatricians, cardiologists and oncologists.
  • Physiotherapy (only for some chronic conditions)
  • Dental care (until the age of 18)
  • Pregnancy and birth care
  • Emergency transport
  • Emergency medical care abroad (according to Dutch standards and tariffs)

Deductible excess (eigen risico) Once you use your basic health insurance you will first have to pay the deductible excess (in Dutch: eigen risico) up to 385 euro. Only after you have paid the amount the insurance company will reimburse any further costs. The excess stacks up during the year and resets with every new year. You won’t have to pay the deductible for the general practitioner or for any health care covered by a supplemental insurance policy. Insurance premium An insurance premium is to be paid to the insurance company every month. The average premium is about 105 euro per month in 2018 for basic health care. Needless to say, the insurance premium will increase or decrease based on your preferences and chosen cover. Zorgtoeslag (financial aid) International students with a (part-time) job are often entitled to ‘zorgtoeslag’, a health insurance aid from the Dutch government. This allowance will help you to compensate the costs of Dutch health insurance. There are some conditions which must be met in order to claim a financial compensation. You must:

  • Be 18  years or older
  • Have a Dutch health insurance
  • Have a residence permit and a BSN (burger service nummer)
  • Income may not exceed 28.720 euro for singles or 35.996 for families (2017)

The maximum financial compensation is 88 euro per month. Am I obliged to apply for Dutch health insurance? When you are unsure whether it is mandatory for you to apply for a Dutch health insurance, for example, when you are a student. Visit this page for more information. The overview above shows (by default) all insurance providers and their monthly premiums for basic healthcare.