Netherlands — Healthcare: Private Insurance

Why this matters

A relocating person should consider private insurance for additional coverage and to meet the government's insurance requirement.

Key facts

• Basic health insurance is mandatory for everyone who lives or works in the Netherlands.
• Insurers must accept anyone applying for the standard package and charge all policyholders the same premium regardless of age or health.
• In addition to the nominal premium, an income-related contribution (ZVW) is paid.
• Without insurance the CAK sends a letter giving three months to take a policy; after two fines it registers you with an insurer. The annual deductible changes each year, so check the current amount.

Steps

1. 1. Determine Your Health Insurance Requirements — Check if you are required to have private health insurance in the Netherlands. If you are, you will need to purchase a policy that meets the government's minimum requirements.
2. 2. Choose a Health Insurance Provider — Select a private health insurance provider in the Netherlands. Providers offer a range of policies with different coverage options and price points.
3. 3. Apply for a Health Insurance Policy — Apply for a private health insurance policy through the insurance provider. You may need to provide documentation, such as proof of income and residency.