How Dutch health insurance works in 30 seconds
Everyone who lives or works in the Netherlands must take out the standard basisverzekering within 4 months. The covered care is identical at every insurer — you choose on price, policy type (contracted care vs. free choice), service and optional extras. In 2027 the average premium is about €169/month and the mandatory deductible (eigen risico) is €400 per year. GP visits never count towards your deductible.
New to this? Start with Dutch health insurance explained for expats and do I need Dutch health insurance?
Frequently asked questions
Do I have to take out Dutch health insurance as an expat?
If you live or work in the Netherlands, you are generally required to take out Dutch basic health insurance (basisverzekering) within 4 months of registering or starting work. Exceptions exist for some students, posted workers and short-stay visitors.
What does Dutch health insurance cost in 2027?
The average basic premium is around €169 per month in 2027 (up from about €159 in 2026), with a mandatory deductible (eigen risico) of €400 per year. You can lower the premium by choosing a voluntary extra deductible of up to €500.
When can I switch insurers?
Once a year: cancel your current policy by 31 December and choose a new one by 31 January. Most people arrange both before 31 December. New arrivals can start a policy any time (retroactive to their registration date).
Is the basic package the same everywhere?
Yes — the basisverzekering covers the same care at every insurer (GP, hospital, most medicines). Differences are in price, service (English support), contracted hospitals, and optional extra packages like dental or physio.