Share
Explore

Health insurance Netherlands for foreign employees

Everyone who lives and works in the Netherlands must have health insurance. It is important to familiarize yourself with the local health care system as it may be different from the system in your country.

The Dutch healthcare system is recognized as the best in Europe and one of the best in the world. Patients have access to the best medical professionals, good infrastructure, and the choice of where to buy health insurance and where to get health care services.

In the Netherlands, the government is not responsible for the day-to-day running of the healthcare system, but only for the access and quality of healthcare. Meanwhile, services are provided by private healthcare providers.

Like many countries, the Dutch healthcare system is divided into public and private. There are two public
plans: the basic insurance package which is compulsory for all Dutch residents where insurance companies have to offer the same public policy regardless of age or health.

The second form covers long-term nursing and care treatment. It is provided automatically and financed by deductions from your salary.

The basic package covers most health care needs such as nursing services, hospital stay, general practitioners, hospitals, medical specialists, obstetricians, speech therapy, primary and secondary mental health, up to three IVF programs, prescription medicines, primary and secondary mental health, etc.

If you are not covered by Dutch public health insurance or want to cover yourself for additional treatment, such as extensive dental care or physical therapy, you must purchase a private health insurance policy.

Private policies can also offer access to private services, so you can receive treatment earlier than the state system.

Unlike basic plans, insurance companies are not mandated to accept you as private insurance and it can be affected by your age and health. People living in the Netherlands temporarily (less than twelve months) do not need to purchase health insurance in the country.

European Union citizens residing in the Netherlands under the age of twelve can obtain a European Health Insurance Card through the National Health Insurance Agency in their country of origin. This means you do not have to pay for emergency treatment or you will be reimbursed for health care expenses.

Foreigners who become long-term residents (more than one year and earning a salary) must take out basic insurance from a Dutch health insurance company. Citizens of non-EU countries will need a residence permit to stay for more than three months, after which they will need to obtain Dutch public or private health insurance.
Children under the age of eighteen are covered free of charge by their parent’s health insurance.

You have four months to purchase insurance after arriving in the Netherlands. Failure to do so may result in a penalty.

Before registering with a health insurer, you must obtain a Citizen Service Number which must be issued by your employer or by the municipal authority where you live or requested to the Dutch Tax and Customs Administration.

You will also need to provide proof of residence, identity documents, and a letter of employment. These are the key points about Dutch health insurance; however, there may be additional details depending on your personal circumstances.

Sorting out all your paperwork can be stressful and time-consuming. Contact experts if you have any questions or need relocation assistance.

Want to print your doc?
This is not the way.
Try clicking the ⋯ next to your doc name or using a keyboard shortcut (
CtrlP
) instead.