In general, if you come to live and/or work in the Netherlands, you are insured under the Long-Term Care Act (Wlz). If you are insured under this act, you are obliged to take out Dutch health insurance.
Expats from outside the EU, EEA or Switzerland who arrive in the Netherlands must take out Dutch health insurance within four months of receiving their residence permit, even if they have an existing foreign policy. EU, EEA or Swiss nationals who are working in the Netherlands must take out Dutch health insurance within four months of registering at their city hall.
Main health insurance companies in the Netherlands
Below a list of the main Dutch and international health insurance companies:
Dutch health insurance companies
International health insurance companies
Dutch health insurance package comparison
International students and Dutch health insurance
International students are not always obliged to take out Dutch health insurance. Whether they are required to or not depends on several factors such as the duration of their stay, if they are doing an internship or working, and whether they have insurance in their home country. Learn more about Dutch health insurance for international students.
Health insurance options for foreign students
For foreign students, especially those staying temporarily, in the Netherlands there are three main health insurance options:
- Take out Dutch health insurance.
- Have an EU Health Insurance Card if you are an EU citizen.
- Have private healthcare insurance from your country of origin.
LoonZorg offers 2 insurance options that will cover most of international students’ unforeseen care expenses. Check out their Student Insurance Policies!
The Dutch health insurance system
In contrast to many other European systems, the Dutch government is responsible for the accessibility