Health Insurance in the Netherlands

Learn about the health insurance in the Netherlands

The current structure of medical insurance in the Netherlands requires everyone to have health insurance, and residents can choose their own private health insurance in the Netherlands. It is mandatory for all international students studying in the Netherlands to purchase at least a base level of insurance - basisverzekering - ideally within four months of arrival.

Health Insurance Possibilities

Medical insurance in the Netherlands will depend on each student’s individual situation.

Standard Health Insurance Package

This basic package cannot be refused to you regardless of your age or health condition. By law, every resident must take out an insurance policy for the standard package. It covers general care, most prescription medicine and more, and the costs start at approximately EUR100 a month with small differences each year. Medical care is provided by general practitioners, medical specialists and obstetricians, hospital treatment, medication, dental care for children, postnatal care, and therapy. Additional insurance is available at different rates.

Private Health Insurance

There are many companies that provide private health insurance in the Netherlands. Medical insurance in the Netherlands is required by all residents but residents and international students are in many cases free to choose their own companies. Private health insurance in the Netherlands must offer a core universal insurance package for health care at a fixed price for all without any discrimination. Extra coverage provided by these companies can include dental treatment, physiotherapy, and more. Each year, the international student can change the extras which fuel a healthy competition between the private health insurance businesses. Documents required for taking out a health insurance policy is an identification document, and proof of the Netherlands residency.

Health insurance in the Netherlands is a requirement for all international students, and students can choose which company gives them the best policy for the purpose of their stay. Whether the student wants a standard health insurance package or extra coverage, a distinctive policy will help each international student receive medical treatment without the stress of fines and fees. It is important to obtain health insurance in the Netherlands as soon as possible, as it will cover the basics of the healthcare system currently operating in the Netherlands. The student’s institution can provide more information about health insurance based on the student’s specific situation, and it is important for international students to keep track of any health insurance changes throughout their time studying in the Netherlands.