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Dutch health insurance for freelancers (2026 guide)

Living and working as a freelancer in the Netherlands gives you a lot of freedom, but it also comes with responsibilities.

One of the most important ones is health insurance.

If you live here and earn income through self-employment, you are legally required to take out Dutch health insurance. It ensures you can access medical care when you need it and protects you from unexpected medical costs.

This guide explains everything clearly so you know exactly what is required, what it costs, and how to stay insured as a freelancer in the Netherlands.

**In this guide, you’ll learn:**

- Who counts as a freelancer in the Netherlands
- When freelancers must get Dutch health insurance
- Why some freelancers don’t need Dutch health insurance
- How to register step by step
- What coverage and costs to expect in 2026
- And how to choose a provider that fits your situation

## Who counts as a freelancer in the Netherlands?

In the Netherlands, a freelancer (*zelfstandige zonder personeel* or *zzp’er*) is anyone who works for themselves instead of an employer.

You are considered self-employed if you:

- Offer services or products independently
- Invoice clients directly
- Take financial and tax responsibility for your work

Common examples include consultants, designers, IT professionals, translators, and online creators.

To work legally as a freelancer, you need to:

- Register your business with the **Chamber of Commerce (KvK)**
- Pay income tax and VAT through the **Dutch Tax and Customs Administration**

Once you are registered, you are treated like any other resident when it comes to healthcare: you must take out at least basic health insurance within four months of moving or starting your business.

## Why freelancers need Dutch health insurance

Under Dutch law, known as the *Zorgverzekeringswet (Zvw)*, everyone who lives or works in the Netherlands must have at least basic health insurance (*basisverzekering*).

That includes freelancers, self-employed professionals, and independent contractors, even if you do not have a Dutch employer.

Health insurance is mandatory so that everyone contributes to and benefits from the same high-quality healthcare system. Without it, you would need to pay the full cost of any treatment yourself.

If you fail to register within four months of moving or starting your business, you may face fines and backdated premiums.

For a full overview of how the Dutch system works, see our [general guide](https://feather-insurance.com/en-nl/blog/health-insurance-netherlands-guide?utm_source=chatgpt.com).

## Why some freelancers don’t need Dutch health insurance

Not every freelancer is required to get Dutch health insurance immediately.

It depends on:

- Where you live
- Where you pay taxes
- And where you run your business

### If your business is based abroad

If your company and tax residence are outside the Netherlands and you only spend short periods here, you may not need Dutch health insurance. In that case, you can stay covered under your current plan or use a flexible international option like Feather expat insurance.

### If you are not yet officially registered

If you do not have a BSN (Citizen Service Number) or residence permit, insurers will not let you sign up for Dutch health insurance. While you wait, expat health insurance such as [**Feather**](https://feather-insurance.com/) keeps you covered. It is designed for freelancers and digital nomads who are temporarily living in the Netherlands and can be cancelled anytime once your Dutch plan begins.

### If you work across multiple countries

If you work across borders, your insurance depends on where your main business activity takes place. The Dutch social insurance office (SVB) can confirm which country’s system applies to you.

When in doubt, it is best to start with international coverage to avoid gaps, then switch to Dutch insurance once your status becomes official.

Sign up for expat health insurance

### Do you need Dutch health insurance if you freelance for foreign clients?

You usually need Dutch health insurance if you:

- Live primarily in the Netherlands
- Are registered with the Chamber of Commerce
- Pay Dutch income tax

If your main work or tax residence is abroad, you may stay insured there instead. The SVB can confirm which system applies to your situation.

If you are unsure or waiting for registration, stay covered through Feather expat insurance until you qualify for Dutch insurance.

If you live and pay taxes in the Netherlands, you need Dutch insurance. If not, confirm your situation before switching.

And if you have any questions, [contact us](https://wa.me/31653287826).
## How Dutch public health insurance works

The Dutch basic health insurance plan (*basisverzekering*) is the foundation of the healthcare system. It is required for anyone living or working in the Netherlands and guarantees access to essential medical care.

Every insurer must accept you for this plan, regardless of your age, income, or health history. The coverage is defined by the government each year, so all insurers provide the same core benefits — the only differences are in price, customer service, and how they process claims.

The Dutch healthcare system works on a **mixed model**:

- The government decides what is covered in the basic package and monitors quality.
- Private insurers handle administration and compete on price and service.
- Everyone pays a monthly premium and a small income-based contribution, which together fund the national system.

### What it covers

The basic plan always includes care that is considered essential and medically necessary:

- Visits to your general practitioner (GP)
- Specialist and hospital care
- Prescription medicines
- Mental health services
- Maternity and newborn care
- Emergency care and ambulance transport

This ensures that everyone in the Netherlands — including freelancers — can access doctors, hospitals, and medication without major financial risk.

### What you pay

- A monthly premium of around **€155–€165** in 2026
- An annual deductible (*eigen risico*) of **€385**, which you pay for certain treatments before your insurer covers the rest
- GP visits, maternity care, and all care for children under 18 are **exempt from the deductible**

You can choose a **higher deductible** (up to €885 in 2026) to lower your monthly premium. This is common among healthy freelancers who rarely visit the doctor, but it means you pay more out of pocket if you need hospital or specialist care.

If you receive treatment, the insurer usually pays the provider directly. You only pay the portion within your deductible.
### Supplemental insurance

Supplemental insurance (*aanvullende verzekering*) is optional coverage that adds extra benefits not included in the basic plan. You can choose it when you apply for health insurance or add it later, usually at the start of a new calendar year.

Common add-ons include:

- **Dental care for adults:** routine checkups, cleanings, and fillings (not covered under the basic plan)
- **Physiotherapy:** useful if you need regular treatment for back or joint issues
- **Optical care:** partial reimbursement for glasses, lenses, or eye exams
- **Alternative treatments:** such as acupuncture or chiropractic care
- **Extended maternity or birth-related care:** additional home visits or recovery support

Each insurer offers different combinations of these add-ons. Prices vary depending on what you include, your age, and your health status.

It is important to know that insurers are not required to accept everyone for supplemental insurance. They may ask health-related questions or decline applications if they consider you higher risk.

Freelancers often choose a modest supplemental package, for example one that covers basic dental care and a few physiotherapy sessions each year, and skip higher-cost extras they are unlikely to use.

If you prefer simplicity, you can start with only the basic plan and add supplemental coverage later once you know what kind of care you need.
## **What’s the difference in health insurance payments for employees and freelancers?**

Everyone in the Netherlands is covered under the same health system — but how you pay for it depends on how you work.

### **If you’re employed**

Your health contributions are handled automatically through your salary.

Your employer pays a percentage straight to the tax authority on your behalf, and you only pay the monthly premium for your basic plan directly to your insurer.

So, in short:

- Contributions are managed through payroll
- You don’t need to take extra action
- Your employer covers the income-based part

### **If you’re self-employed or freelance**

You handle everything yourself. That means you pay:

- A monthly premium to your chosen insurer
- An income-based contribution (*inkomensafhankelijke bijdrage*) of around **5.5%**, calculated on your profit (up to a set maximum)

The Tax and Customs Administration (*Belastingdienst*) works this out through your annual tax return and adds it to your income tax assessment.

Because freelancers don’t have an employer to pay this contribution, the total cost can feel a bit higher.

That said, you can deduct part of your health insurance and related costs when calculating taxable income — which helps balance things out.
## Deadlines and the four-month rule

If you become a resident or start freelancing in the Netherlands, you have four months to take out health insurance.

If you apply within that period, your coverage can be **backdated** to your arrival or start date. Apply later, and coverage only starts from your application date.
## How to get Dutch health insurance (step by step)

### 1. Register with the Chamber of Commerce (KvK)

Register your business with the **Kamer van Koophandel (KvK)**. This connects you to the Dutch Tax and Customs Administration.

### 2. Obtain your citizen service number (BSN)

Register your address with your local municipality (*gemeente*) to receive your BSN. You need this number before you can apply for insurance.

### 3. Compare and choose a provider

Compare insurers using [Zorgwijzer.nl](https://www.zorgwijzer.nl/) or [Independer.nl](https://www.independer.nl/). Every provider offers the same basic benefits but differs in:

- Monthly premium
- Deductible options
- Digital tools and English support
- Policy type (*natura* or *restitutie*)

### 4. Apply for coverage

Apply online with your BSN, address, and bank details. Remember the four-month rule.

### 5. Register with a general practitioner (GP)

Once your policy starts, choose a GP. They are your first contact for most health issues and referrals. If practices are full, your insurer can help you find one.

### 6. Stay insured while waiting for eligibility

If your registration is still being processed, you cannot yet join the Dutch public system. During this time, [**Feather expat insurance**](https://feather-insurance.com/) keeps you covered until your Dutch plan starts.

## Health insurance costs for freelancers in 2026

| Type | Details |
| --- | --- |
| **Monthly premium** | €155–€165 (average) |
| **Annual deductible** | €385 standard, up to €885 optional |
| **Income-based contribution** | Around 5.5% of taxable profit |
| **Supplemental insurance** | €5–€40 per month, depending on your package |

As a freelancer in the Netherlands, you’ll make two separate payments toward the healthcare system your **monthly premium** and your **income-based contribution**.

Your **monthly premium** is paid directly to your insurer. It covers your basic plan and varies depending on which insurer you choose and the deductible you set.

Your **income-based contribution** (*inkomensafhankelijke bijdrage*) is collected by the **Belastingdienst** (Tax and Customs Administration) through your annual tax return. It’s roughly **5.5% of your taxable profit**, up to a set income ceiling.

Together, these two payments keep the system running:

- your **premium** funds your personal policy, and
- your **contribution** supports the national pool that pays healthcare providers.

If your income is below **about €37,500**, you might qualify for a **healthcare allowance** (*zorgtoeslag*). This monthly benefit helps cover part of your premium. You can apply at toeslagen.nl.

## Next steps

- Register your business and get your BSN
- Take out basic insurance within four months
- Adjust your deductible to manage costs
- Add supplemental coverage if needed
- Use expat insurance if you are still waiting for registration

If you are unsure what applies to you, you can always reach out to us — we are here to help.

Staying insured from your first day in the Netherlands helps you avoid fines and stress so you can focus on growing your freelance business.

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How Dutch health insurance works for freelancers

Doctor reviewing top healthcare stats in the Netherlands

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Doctor reviewing top healthcare stats in the Netherlands.png

Health & healthcare in the Netherlands: Statistics, trends & facts (2026)

The Netherlands has one of the best-rated healthcare systems anywhere: [7th in the world](https://ceoworld.biz/2024/04/02/countries-with-the-best-health-care-systems-2024/), according to the latest ranking. It also spends more per person than almost any other country in Europe, at **€4,848** a year.

If you live in the Netherlands (or you're planning to), that raises a fair question. Where does all that money actually go? And is it making people healthier?

In this article, we'll cover:

* How much the Netherlands spends on healthcare, and where the money comes from
* What the budget is spent on, from GP visits to long-term care
* How healthy Dutch residents are, and what they're most likely to die from
* How many doctors, nurses and hospital beds the country has
* How much sick leave Dutch workers take, and why it's rising

First, the headline numbers.

## Key Dutch healthcare statistics: our top picks

* An estimated **25%** of all sick days taken by Dutch workers are now put down to stress.  
* In 2023, the average employee in the Netherlands took around **14 days of sick leave**.  
* **6%** of people in the Netherlands rate their health as bad or very bad.  
* About **9%** of people in the Netherlands report unmet mental health needs.  
* In 2023, generic medicines made up **79%** of all pharmaceuticals dispensed through community pharmacies.

## The Netherlands' population statistics

At the start of 2025, the Netherlands had **18,044,027 inhabitants**. **49.8% (8,978,451) were men** and **50.2% (9,065,576) were women**. In other words, there are **99 men for every 100 women**.

The population is getting older. The average age was **42.8 years in 2024**, up from **33.2 years in 1975**.

**16.8%** of residents (around **3 million people**) were born abroad. The other **15 million** were born in the Netherlands, and **2.1 million** of them are **children of migrants**. In total, **11.7%** of the population was born in the Netherlands to at least one parent born abroad.

The Netherlands is also highly urban. **93.45%** of residents lived in an urban area in 2024, compared to **6.55%** in a rural one.

**Source:** [Statistics Netherlands](https://www.cbs.nl/en-gb/visualisations/dashboard-population/population-counter),  [Trading Economics](https://tradingeconomics.com/netherlands/indicators-wb-data.html?g=health)

### How many young people are there in the Netherlands?

In 2025, **4,904,057 inhabitants (27.2% of the population)** were under 25. They're not spread evenly across the country, though.

Urk had the highest share of under-25s at **42.7%**, followed by Staphorst (**36.5%**) and Barneveld (**34.5%**).

The graph below shows the 10 Dutch municipalities with the highest share of young people.

![Municipalities with the highest percentage of residents under 25](https://cms.cdn.feather-insurance.com/1_Municipalities_with_the_highest_percentage_of_residents_under_the_age_of_25_df18c6785b/1_Municipalities_with_the_highest_percentage_of_residents_under_the_age_of_25_df18c6785b.png)

**Source:** [Statistics Netherlands](https://www.cbs.nl/en-gb/visualisations/dashboard-population/age/young-people)

### Life expectancy statistics in the Netherlands

In 2024, average life expectancy in the Netherlands was **81.9 years**, 0.8 years above the OECD average. Men could expect to live to **80.5**, and women to **83.3**.

That's a long way from **1950**, when average life expectancy was **71.5 years** (**70.3 for men** and **72.6 for women**).

Today, Dutch life expectancy sits below Italy, Sweden and Spain, but above Germany and the EU average.

![Average life expectancy by country in 2024](https://cms.cdn.feather-insurance.com/2_Average_life_expectancy_by_country_in_2024_95148dfe70/2_Average_life_expectancy_by_country_in_2024_95148dfe70.png)

**Source:** [Statistics Netherlands](https://www.cbs.nl/en-gb/visualisations/dashboard-population/life-events/death), [OECD](https://www.oecd.org/en/publications/health-at-a-glance-2025_15a55280-en/netherlands_7f6b49ab-en.html), [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

## How much does the Netherlands spend on healthcare?

In 2023, the Netherlands spent **9.8% of its GDP on healthcare**, just under the EU average of **10%**. Per person, though, it spent far more: **€4,848**, around **25% above the EU average**.

By 2024, total healthcare spending had climbed to **€113.5 billion**. That's an **€8.5 billion (8.1%) increase** on the year before. Healthcare grew faster than the economy as a whole, pushing spending up to **10% of GDP** and bringing the Netherlands in line with the EU average.

![Health spending in the Netherlands as a percentage of GDP](https://cms.cdn.feather-insurance.com/3_Health_spending_in_the_Netherlands_as_a_of_GDP_3b05077f1e/3_Health_spending_in_the_Netherlands_as_a_of_GDP_3b05077f1e.png)

Here's how spending per person in the Netherlands compares to the EU average:

* **Outpatient care:**  
   **€1,614** per person in the Netherlands vs **€1,058** EU average

* **Long-term care:**  
   **€1,410** per person, more than double the EU average of **€694**

* **Inpatient care:**  
   **€867** per person, lower than the EU average of **€1,062**

* **Pharmaceuticals and medical devices:**  
   **€474** per person vs **€705** across the EU

Who pays for it? **83%** of healthcare spending is funded by the government and mandatory insurance. **12%** comes from out-of-pocket payments, and the remaining **5%** from voluntary health insurance.

![Per capita healthcare expenditure in the Netherlands  compared to the EU Average](https://cms.cdn.feather-insurance.com/4_Per_capita_healthcare_expenditure_in_the_Netherlands_compared_to_the_EU_Average_c9414222e0/4_Per_capita_healthcare_expenditure_in_the_Netherlands_compared_to_the_EU_Average_c9414222e0.png)

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025), [Statistics Netherlands](https://www.cbs.nl/en-gb/news/2025/22/spending-on-health-care-up-by-8-1-percent-in-2024)

## Where does the Netherlands spend its healthcare budget?

The biggest slice goes to outpatient care, at roughly **33.3%** of healthcare spending.

Long-term care comes next at **29%**, well above the EU average of 18%. Inpatient care takes **18%**, and pharmaceuticals **10%**.

Spending on prevention jumped during the COVID-19 pandemic, from **3.3%** of total health spending in 2019 to **8.7%** in 2021. It fell back to **5.2%** in 2023, but that's still above the EU average of **4.2%**.

The pattern is clear: the Dutch system puts outpatient and long-term care ahead of hospital stays and medicines.

![Percentage of Dutch healthcare expenditure by type of care](https://cms.cdn.feather-insurance.com/5_Percentage_of_Dutch_healthcare_expenditure_by_type_of_care_76b1fccaf1/5_Percentage_of_Dutch_healthcare_expenditure_by_type_of_care_76b1fccaf1.png)

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

### How much does the Netherlands spend on pharmaceuticals?

Not much, by EU standards. That's true both in total and as a share of healthcare spending.

In 2023, retail pharmaceutical spending came to **€6.7 billion**, or **€309 per person**. That's the lowest in the EU: nearly half the EU average, and less than **15%** of total healthcare spending.

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

### How are pharmaceuticals funded in the Netherlands?

Mostly through social health insurance, which covered **68%** of retail pharmaceutical spending. That's above the EU average of **62%**, but below France (**83%**), Germany (**83%**) and Belgium (**74%**).

Patients paid **31%** of retail pharmaceutical costs out of pocket in 2023. That's below the EU average of **36%**, but noticeably higher than France and Germany, where out-of-pocket payments made up **12% and 17%** respectively.

The Netherlands is also one of the EU's biggest users of generic medicines. In 2023, generics made up **79%** of all pharmaceutical units dispensed through community pharmacies, up from **67%** in 2012.

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

## Where does healthcare funding in the Netherlands come from?

Coverage in the Netherlands is close to universal. **99.9%** of the population is covered by statutory health insurance, which pays for most types of care:

* **94%** of inpatient care costs were publicly financed in 2023, above the EU average of **91%**

* **79%** of outpatient care spending was publicly funded, slightly above the EU average of **77%**

* **68%** of pharmaceutical spending was publicly financed, compared to **59%** across the EU

Dental care is the big exception. Only **33%** of dental costs were publicly financed in 2023, slightly below the EU average of **35%**. So if you need dental work in the Netherlands, expect to pay more of it yourself.

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

## How healthy are people in the Netherlands?

Healthier than the EU average on most counts. **13.2%** of Dutch adults smoke daily, and they drink an average of **7.8 liters of alcohol per person** a year. The EU averages are **18.5%** and **9.8 liters**.

**13.6%** of Dutch adults are obese, just below the EU average of **14.6%**. Education makes a big difference here: people with the lowest education level **are more than twice as likely to smoke and be obese** as the most highly educated.

**6%** of people in the Netherlands rate their health as bad or very bad, a little below the OECD average of **8.0%**.

**Source:** [Statistics Netherlands](https://www.cbs.nl/en-gb/visualisations/dashboard-population/life-events/death), [OECD](https://www.oecd.org/en/publications/health-at-a-glance-2025_15a55280-en/netherlands_7f6b49ab-en.html), [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

### How many people in the Netherlands have a chronic health condition?

Around **58% of the population, or 10.5 million people**, had at least one chronic disease in 2022. By 2025, that had risen to **10.9 million people**.

In 2024, **5.6 million people (31% of the Dutch population)** saw their GP at least once about a chronic condition.

Age is the biggest factor. **96% of Dutch residents over 75** have a chronic condition, compared to **45% of those under 40**.

![Percentage of the Dutch population with at least one chronic health condition by age](https://cms.cdn.feather-insurance.com/6_Percentage_of_the_Dutch_population_with_at_least_one_chronic_health_condition_by_age_a576e97bcc/6_Percentage_of_the_Dutch_population_with_at_least_one_chronic_health_condition_by_age_a576e97bcc.png)

**Source:** [Statistics Netherlands](https://www.cbs.nl/en-gb/visualisations/dashboard-population/life-events/death), [OECD](https://www.oecd.org/en/publications/health-at-a-glance-2025_15a55280-en/netherlands_7f6b49ab-en.html), [VZ Info](https://www.vzinfo.nl/chronische-aandoeningen-en-multimorbiditeit/leeftijd-en-geslacht/chronische-aandoeningen)

### Cause of death statistics in the Netherlands

In 2023, **168,764 deaths** were recorded in the Netherlands. Cancer (malignant neoplasms) was the single largest cause, responsible for **27.1%** of deaths. Cardiovascular diseases came second at **22.4%**.

Alzheimer's and other dementias were the third leading cause, at **9.9%** of deaths.

Falls accounted for **3.7%** of deaths and suicide for **1.2%**. Only **0.5%** of deaths were due to transport accidents.

![Leading causes of death in the Netherlands in 2023](https://cms.cdn.feather-insurance.com/7_Leading_causes_of_death_in_the_Netherlands_in_2023_8d82f9def4/7_Leading_causes_of_death_in_the_Netherlands_in_2023_8d82f9def4.png)

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

## How many doctors and nurses are there in the Netherlands?

In 2023, the Netherlands had **3.9 practicing doctors per 1,000 people**, up from **3.4 per 1,000** in 2014. Even so, it's still below the EU average of **4.3 doctors per 1,000 people**.

One thing that stands out is the focus on primary care. Around **one in four doctors** in the Netherlands works as a general practitioner (GP).

Nurses are a different story. Numbers have grown steadily, from **10.3 nurses per 1,000 people** in 2014 to **11.1 per 1,000** in 2023. That's well above the EU average of **8.4 nurses per 1,000 people**.

Overall, the Netherlands has more nurses per person than France, but fewer doctors and nurses than Luxembourg, Germany, Iceland and Norway.

![Doctors and nurses per 1,000 people  in the Netherlands](https://cms.cdn.feather-insurance.com/8_Doctors_and_nurses_per_1_000_people_in_the_Netherlands_6ddcb7b1fa/8_Doctors_and_nurses_per_1_000_people_in_the_Netherlands_6ddcb7b1fa.png)

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

### What percentage of the population has unmet medical needs?

Very few people in the Netherlands go without the care they need. But the picture changes when you look at income and the type of care.

In 2024, **1.6%** of the population reported an unmet medical need because of cost, distance or waiting times. That's less than half the EU average of **3.5%**.

Among people below or at risk of poverty, **4.3%** reported unmet medical needs. Unmet dental care needs affected **2.6%** of the population, rising to **6%** among lower-income households.

The biggest gap is in mental healthcare. About **9%** of people in the Netherlands reported unmet mental health needs, above the EU average of **7%**, despite strong coverage overall.

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025)

### How many hospital beds are there in the Netherlands?

The Netherlands has one of the lowest levels of hospital capacity in the EU. That's by design: the system has long focused on outpatient and primary care instead.

Hospital beds fell from **3.2 per 1,000 people** in 2017 to **2.3 per 1,000** in 2023. That's less than half the EU average of **5.1 beds per 1,000 people**.

In 2023, the Netherlands had **41,310 hospital beds**, down from **43,355** in 2022. The longer trend is even clearer: in 2015, the country had **59,117 hospital beds**.

Fewer beds fits the Dutch model, which favors outpatient care, shorter hospital stays and treatment outside traditional hospital settings.

Hospitals are also used less. The country had around **8,000 hospital discharges per 100,000 people** in 2023, half the EU average. Bed occupancy stood at **60%**, below the EU average of **68%**.

![Number of hospital beds in the Netherlands by year](https://cms.cdn.feather-insurance.com/9_Number_of_hospital_beds_in_the_Netherlands_by_year_aff0e34798/9_Number_of_hospital_beds_in_the_Netherlands_by_year_aff0e34798.png)

**Source:** [European Health Observatory](https://eurohealthobservatory.who.int/publications/m/netherlands-country-health-profile-2025),  [EuroStat](https://ec.europa.eu/eurostat/databrowser/view/hlth_rs_bds1/default/table?lang=en)

### How many hospitals are there in the Netherlands?

In 2022, the Netherlands had **733 hospitals**, up from **691** in 2021. That continues a long-term rise from **198** hospitals in 2005. (Fewer beds, but more places to get care.)

**Source:** [Statista](https://www.statista.com/statistics/949593/hospitals-in-the-netherlands/?srsltid=AfmBOoqUCpCfJKQLB6nHDe-LGhE5MI0XNIqp04ybWR8WZu-_zprj02Di)

## How many people are employed in the Dutch health and welfare sector?

In 2023, an estimated **1.63 million people** worked in Dutch health and welfare, up from **1.6 million** in 2022. Go back to 2001 and the figure was **1.05 million**.

That means around **580,000** extra people joined the sector between 2001 and 2023.

Not every group is growing, though. The number of self-employed healthcare workers has dropped over the last few quarters.

In the five quarters since Q3 2024, the Netherlands lost around **4,000 self-employed healthcare workers**, a **13%** decline. The steepest fall was in elderly care, where the number of self-employed workers dropped by **63%**.

**Source:** [Statista](https://www.statista.com/statistics/544150/number-of-people-employed-in-health-sector-in-the-netherlands/#:~:text=Care%20&%20Support-,Number%20of%20people%20employed%20in%20the,welfare%20sector%20Netherlands%202001%2D2023&text=The%20number%20of%20people%20employed,than%20a%20consistent%20upward%20trend.), [Statistics Netherlands](https://opendata.cbs.nl/#/CBS/en/dataset/83652ENG/table), [ING](https://think.ing.com/articles/dutch-healthcare-sector-set-to-expand-further-despite-supply-constraints/#:~:text=Healthcare%20providers%20continue%20to%20reduce,having%20familiar%2C%20regular%20staff%20members.)

## Sick leave statistics in the Netherlands

In 2023, the average employee in the Netherlands took around **14 days of sick leave**.

That's a slight increase on the COVID period, when employees took roughly **12 sick days** a year. The rise matches growing concern about stress-related illness and mental health at work.

Work-related stress is now a major driver of sick leave in the Netherlands. An estimated **25%** of all sick days taken by Dutch workers are put down to stress, the highest level since the middle of the COVID-19 pandemic.

**Source:** [Gateway](https://gateway.euro.who.int/en/indicators/hfa_411-2700-absenteeism-from-work-due-to-illness-days-per-employee-per-year/#id=19398), [I am Expat](https://www.iamexpat.nl/expat-info/dutch-news/the-netherlands-sees-sharp-rise-sick-leave-rates-2025)

Health & Healthcare in Brazil: Key Stats & Trends

Health & Healthcare in Mexico: Key Stats & Trends

Health & Healthcare in Belgium: Key Stats & Trends

Health & Healthcare in Italy: Key Stats & Trends

Health & Healthcare in Singapore: Key Stats & Trends

Health & Healthcare in Thailand: Key Stats & Trends

Health & Healthcare in Turkey: Key Stats & Trends

Health & Healthcare in Canada: Key Stats & Trends

Health & Healthcare in Switzerland: Key Stats & Trends

Health & Healthcare in Portugal: Key Stats & Trends

Health & Healthcare in the UAE: Key Stats & Trends

Health & Healthcare in the Netherlands: Key Stats & Trends

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Health insurance without a BSN in the Netherlands

## Health insurance and the BSN explained

When you move to the Netherlands, one of the first questions is how health insurance works and what role the **BSN (Burgerservicenummer)** plays.

The BSN is your Dutch **citizen service number**, similar to a social security number in other countries. You will need it for everyday things like paying taxes, opening a bank account, and arranging healthcare.

Because the BSN connects you to government systems, it is also required for taking out **basic Dutch health insurance (basisverzekering)**, the mandatory plan for most residents. It is also required to sign up with the Digital ID. Knowing why this number matters, and what to do if you do not have one yet, will help you avoid being uninsured.

## Do you need a BSN to get Dutch health insurance?

In most cases, yes. To apply for **Dutch basic health insurance**, you must have a BSN and be registered with your municipality (you do this right after arrival when you have your Dutch address). The BSN links your policy to government records so that contributions and benefits are tracked correctly.

The Dutch Health Insurance Act (**Zorgverzekeringswet**) requires you to arrange insurance within four months of moving or starting work. Your policy should start from the date your obligation begins, not from when you sign the contract.

Without a BSN, you cannot take out the mandatory basic plan. This is why many newcomers look for alternatives until they are fully registered.

## Who must take out Dutch health insurance?

Most people who live or work in the Netherlands must be insured. If you are registered as a resident or if you earn income here, you are usually obliged to arrange **Dutch health insurance with a BSN**.

- **EU citizens** may use an **EHIC (European Health Insurance Card)** or **S1 form** at first, but must switch if they stay long term.
- **Non EU citizens** are expected to arrange Dutch health insurance as soon as they register and receive a BSN.
- **Visitors staying under four months** often do not need Dutch insurance.

For everyone else, Dutch health insurance is required by law.

## What happens if you do not get a BSN on time?

The **CAK (Centraal Administratie Kantoor)** checks whether people have health insurance. If you are required to be insured but do not act, the CAK will send a letter.

- After three months, you can be fined around four hundred euros.
- If you still do not arrange insurance, the fine may be repeated.
- Eventually, the CAK can register you with a default insurer for twelve months and deduct premiums directly from your income.

Delaying BSN registration or insurance can therefore become very costly.
[Find out more information in this video](https://www.youtube.com/watch?v=EZt36Ciy5nA).

## Who cannot get Dutch health insurance?

Not everyone is simply delayed in the process of being able to sign up for the Dutch Basic. Some groups are **not eligible** for Dutch basic health insurance at all. Here are some examples

- Many international students are not seen as residents under the Dutch Health Insurance Act. Even if they have a BSN, they cannot take out the basic plan. They need private or student health insurance instead.
- Individuals on a orientation year Visa
- Individuals who spend more than 185 days a year outside of the Netherlands
- Others, such as job seekers or short term workers, may need temporary cover until they are fully registered.

As a rule of thumb, if you have if you pay have to income tax or social security contributions in the Netherlands you need to get on the Dutch Public Insurance. You can always confirm your exact status with your municipality or official sources like: 

- [WLZ](https://www.svb.nl/en/the-wlz-scheme/assessment-of-your-wlz-insurance-position/apply-for-an-assessment-of-your-wlz-insurance-position) : You can request an assessment of **your WlZ insurance position** (compulsory insurance under the Dutch long-term care scheme)
- [CAZ Website](https://www.hetcak.nl/en/uninsured/): fInd more detailed information on cases when you are uninsured**

In the meantime, some people choose **expat health insurance in the Netherlands** that does not require a BSN or registered address.

## What should you do if you cannot register your address?

To receive a BSN, you first need to register your address in the **BRP (Basisregistratie Personen or municipal registry)**. Without a registered address, you cannot get a BSN and you cannot take out Dutch basic health insurance.

The housing shortage in the Netherlands makes this a common issue. Many newcomers struggle to find permanent accommodation. If you already have a BSN but later lose your address, the municipality may **de-register you**, which can also affect your insurance.

One possible solution is to ask about a **correspondence address (briefadres)**. This allows you to register at the address of a friend, family member, or even in some cases through the municipality itself. A correspondence address does not count as a permanent home, but it can help you keep your BSN active and avoid gaps in your health insurance.

The best advice is to stay in touch with your municipality, ask about temporary or correspondence registration, and keep your housing situation documented. While you wait for housing or re registration, you can stay protected by choosing **interim health insurance** that does not require a BSN or fixed address.

## How to get health insurance in the Netherlands

Here is the usual order of steps:

1. Register your address with the municipality.
2. Receive your BSN.
3. Apply for Dutch health insurance within four months of becoming obliged.

Prepare your passport, rental agreement, and work or study documents to speed up the process. If you are unsure whether you are required to take out Dutch insurance, consider temporary cover while you wait.

## How Feather helps expats stay covered

Arriving in the Netherlands without housing or waiting for registration can be stressful. **Feather offers expat health insurance** that you can take out without a BSN or permanent address.

It is designed for newcomers, students, freelancers, job seekers, and anyone in between. It provides EU wide protection, can be cancelled monthly, and can easily be upgraded to Dutch basic health insurance once you are eligible.

## Conclusion

Most people need a BSN to get Dutch health insurance. But delays, housing problems, or ineligibility can leave you without cover.

The key is to act early. Register as soon as you can, confirm your obligations, and avoid fines. If you are not yet eligible for Dutch basic insurance, an **expat health insurance plan in the Netherlands** can keep you protected until you are fully registered.

With the right steps, you can make sure you stay insured and start your life in the Netherlands with peace of mind.

Strongly recommend for expats

Feather is the easiest platform to understand

I felt like I was in safe hands with Feather

[BP] Health insurance without BSN

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How to apply for a Dutch visa

Having trouble applying for a Dutch visa? Organising visas can often feel overwhelming, but it doesn’t have to be\!

Whether you’re planning to visit, study, work, or join family in the Netherlands, understanding the process makes things much easier.

> In this guide, you’ll learn:
> 
> * The main types of Dutch visas
> 
> * How the application process works
> 
> * What documents you need
> 
> * And where to find official, up-to-date information

By the end, you’ll know exactly what to expect and how to approach your Dutch visa application with confidence.

Here we go\!

## **Choosing the right visa**

Before applying, you’ll need to figure out which visa is right for you. The type you need depends on the length and purpose of your visit.  

If you’re staying in the Netherlands for **under 90 days**, you’ll need to apply for the **short-stay Schengen visa**. These are common for tourism, business trips, or short study programs. 

Short-stay Schengen visas:

* Allow you to travel across all 27 Schengen countries  

* Maintain a **90/180-day rule** (you can stay up to 90 days in any 180-day period)  

* Can be either **single entry** (leave once, it’s over) or **multiple entry** (come and go within the validity period)

If you plan on moving **long-term (more than 90 days)**, you’ll need a **long-stay MVV visa** ([machtiging tot voorlopig verblijf](https://ind.nl/nl/machtiging-tot-voorlopig-verblijf-mvv)). Think of it as the entry ticket for your **residence permit**. 

You apply for the MVV from abroad, typically with the assistance of your sponsor. Once you arrive in the Netherlands, you pick up your residence permit at the IND office.

You typically need an MVV if you’re:

* A **student** enrolled in a Dutch university. Universities usually apply on your behalf once you’re admitted.

* An **employee** with a work contract. Employers typically handle most of the application process, and you provide supporting documents.

* A **family member** joining a Dutch resident or citizen.

One common misconception is that you can enter the Netherlands on a tourist visa and then switch to a work visa within the country. That’s usually not allowed, and you’ll need to apply from outside the country.

## **Step 1: Complete the Dutch visa application form**

The first step is to complete the official visa application form. Where you find this form and how you submit it depend on the type of visa and your location.

For **short-stay Schengen visas**, forms are available on the website of your local Dutch embassy or consulate. Some countries handle applications through [VFS Global](https://www.vfsglobal.com/en/individuals/index.html), which can also provide the forms.

For **Long-stay MVV visas**, the Dutch Immigration and Naturalisation Service (**IND**) provides the forms and guidance directly on their website. 

There are three main ways to submit your application forms :

* **Directly through the IND**: Mostly for residence permits when your sponsor applies on your behalf.

* **At a Dutch embassy or consulate**: You make an appointment, bring your documents, and submit the form in person.

* **Through VFS Global**: In many countries, the Netherlands outsources Schengen visa handling to VFS. You apply via their website and attend an appointment at their office.

**Online applications** are available in some countries, but not all. The safest bet is to check the exact requirements listed on your local embassy’s website.

## **Step 2: Prepare the required documents**

The Dutch authorities tend to be quite strict when it comes to documents. Having everything in order is what makes or breaks your application.

For all visa types, you’ll need:

* A completed and signed visa **application form**.

* **A passport, valid at least 3 months beyond your planned departure** from the Schengen area, with at least 2 blank pages.

* **Two passport photos** (35 x 45 mm)

* **Proof of accommodation**, such as a hotel booking, rental contract, or invitation letter from a host.

* **Travel itinerary**, including flight reservations and any internal travel plans.

* **Financial proof** showing you can support yourself (bank statements, pay slips, or sponsorship letters)

* [**Visa-compliant Dutch health insurance**](https://feather-insurance.com/en-nl/health-insurance/expat), with at least €30,000 in coverage across all Schengen countries. 

Depending on your situation, you may also need:

* An **employer letter** confirming your job, salary, and approved leave (for workers)  

* An **enrollment certificate** or admission letter from a Dutch university (for students)  

* A **formal invitation letter and proof of family relationship** (for those joining their family in the Netherlands)

Remember to double-check every document against the embassy’s checklist. Small errors are one of the most common reasons for rejection, and yet they’re the easiest to prevent\!

## **Step 3\. Book an appointment** 

Once your documents are ready, the next step is to secure an appointment. Without it, you can’t move forward.

You’ll book your appointment with the **nearest Dutch embassy or consulate**. If you’re unsure, the [official Dutch embassy and consulate directory](https://www.government.nl/topics/embassies-consulates-and-other-representations) can help you figure out where to go. 

In many regions, such as South Asia, Africa, and parts of Latin America, the Netherlands outsources visa applications to **VFS Global** or other service centers. 

Wait times vary, depending on where you’re applying from: 

* In **Europe/North America**, appointments are usually available within weeks.

* In **South Asia,** high demand often results in waiting periods of 1–3 months.

* In **Africa,** wait times often stretch longer due to limited staff.

Because of these differences, it’s best to check availability as soon as you know your travel dates. As always, the best way to secure an appointment is to **book early**\!

## **Step 4: Attend your visa interview**

The interview is where the consular staff checks your documents and asks you some brief questions about your stay. 

During your interview, **you’ll likely be asked about**:

* The purpose of your visit   

* The length of your stay

* Your financial situation 

* Ties to your home country

Keep your answers **clear, concise, and in line with your application documents**. Remember, consular officers want straightforward explanations, not long-winded speeches. 

To ensure a smooth process, we recommend bringing copies of your **bank statements**, **travel** **itinerary**, and any **relevant letters from employers or universities**. 

## **Step 5: Provide biometric information**

At your appointment, you’ll also need to provide biometric data to secure your visa and expedite checks at Schengen borders.

You’ll have to provide your:

* **Fingerprints**: Usually all ten, scanned digitally.

* **Photo**: Taken on the spot, even if you’ve submitted passport photos.

* **Digital signature**: Captured electronically.

The EU uses the **Visa Information System (VIS)** to store this data. Once collected, it’s valid for **five years** for repeat Schengen visa applications. 

Certain individuals are **exempt** from providing biometric information, including **children under 12** and certain **government officials**. 

## **Step 6: Pay the visa application fee**

Every application comes with a fee, which you must pay before your visa can be processed.

Here are the typical prices for Schengen and long-stay visas: 

* **Schengen short-stay visas**: Around €80 for adults, €40 for children aged 6–12, and free for children under 6\.

* **Long-stay MVV visas**: Fees vary widely depending on purpose, usually between **€210 to €350**.

Always check the **official embassy or IND website**, since fees are updated regularly and can differ slightly by location.

Accepted payment methods include: 

* **Cash**: Common at embassies or VFS centers, though not always preferred.

* **Credit or debit card**: Increasingly accepted, but please check with your local center for details.

* **Bank transfer**: Sometimes required for long-stay permits through the IND.

The payment method you can use depends on where you’re applying from, so it’s best to confirm in advance with your local office what they accept.

It’s also important to note that **visa fees are non-refundable**, even if your application is denied. 

## **Step 7\. Wait for processing** 

Once everything is submitted, it’s time to wait. Processing times vary, but knowing what to expect can save you stress.

Here are the typical processing times:

* **Schengen short-stay visas** are usually decided within **15 calendar days**. In busy seasons (during the summer holidays, for example), it may take up to 45 days.

* **MVV visas** take longer to process, often **60–90 days,** depending on the type and the IND’s workload

Your case might take longer if:

* Documents are **incomplete or inconsistent**.

* Authorities should conduct **additional background checks**.

* The application is **complex** (e.g., unusual work arrangements or family reunification cases).

Delays can be frustrating, but most are routine and don’t mean rejection.

To **track the progress** of your application, you can check out embassy/consulate websites or your IND online account (for MMV visa applicants). 

## **Receiving your Dutch visa**

Congratulations\! You’ve received your visa sticker or residence card, and you can now breathe easy. 

There are, however, a few key points to keep in mind. 

**Visa extensions** for Schengen visas are extremely rare and only granted in exceptional circumstances. 

Residence permits, on the other hand, can usually be extended from within the Netherlands before your permit expires

It’s also good to know that you can’t **convert a short-stay Schengen visa into a residence permit** while in the Netherlands. For most long-term stays, you need to apply for an MVV from abroad.

## **What to do if your visa is refused**

Rejections happen. Whilst disappointing, it doesn’t mean all hope is lost. Here’s what to do:

* **Read the refusal letter carefully**: It explains the reason for your rejection (missing proof, insufficient funds, unclear travel plans).

* **Appeal**: You normally have the right to appeal within a set timeframe.

* **Reapply**: Fix the issues, and try again. This is often a faster route than filing an appeal. 

The key is not to give up\! Many people succeed after addressing the reasons for their first rejection and reapplying. 

## **Conclusion**

When travelling to the Netherlands, visas shouldn’t be too much of a concern. The process is straightforward, and if you follow the steps we’ve outlined here, you’ll be on your way in no time. 

The key is to plan ahead. Identify which visa is right for you and prepare the required documents well in advance to reduce stress and ensure everything runs smoothly.

That way, you can apply with confidence and focus on making the most of your time abroad\!

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Pet insurance in the Netherlands 2026

Having a pet in the Netherlands is a joy, but it also comes with the responsibility of keeping your companion safe and healthy. 

Dutch veterinary care is high quality, but costs can rise quickly in emergencies, or if your pet needs long-term treatment.

In this guide, we walk you through what you need to know, including:

* Whether pet insurance is required by law  
* How pet insurance works in the Netherlands  
* How to secure pet insurance, step-by-step  
* The difference between pet insurance and liability insurance AVP  
* What pet insurance usually covers, and typical costs in 2026  
* And our tips for choosing the right coverage for your pet

By the end, you will have a clear picture of how to protect both your pet and yourself while living in the Netherlands.

## Is pet insurance mandatory?

**Pet health insurance is not mandatory** in the Netherlands. If your pet needs care, you can always pay the vet directly without insurance.

That said, veterinary bills can add up fast. 

Surgery, diagnostics, and emergency treatment often cost hundreds to thousands of euros. Pet insurance helps cover part of these costs, depending on the policy you choose.

While pet health insurance is optional, pet owners are legally responsible for damage or injury caused by their animal. This falls under a different type of cover called **personal liability insurance**.

## How pet insurance works in the Netherlands

Most pet insurance policies in the Netherlands focus on **dogs and cats**, although some insurers offer limited cover for animals like rabbits or birds, usually with lower limits.

Most policies also include a **waiting period, often around 30 days**

Young pets can often be insured from around eight weeks old. Older pets may face higher premiums or limits on new policies.

In practice, **pet insurance works like this**:

1. You visit a veterinarian of your choice  
2. You pay the bill at the clinic  
3. You submit the invoice to your insurer  
4. The insurer reimburses part of the cost

Reimbursement is usually a **percentage of the vet bill** (such as 50, 70, or 80 percent), up to an annual limit. Some policies also include a **deductible** which you must pay yourself before reimbursement starts.

**Premiums are paid monthly** and usually increase as your pet gets older. Breed and medical risk can also affect the price.

## How to get pet insurance, step by step

Getting pet insurance is usually quick, and can be done almost completely online.

Here’s what to do: 

* **Step 1: Choose 2-3 providers**. Pick an insurer with a strong online reputation.   
* **Step 2: Compare coverage**. Make sure to look out for reimbursement levels, limits, and deductibles.  
* **Step 3: Register your pet**. You will have to provide your pet’s age, breed, and basic medical history.  
* **Step 4: Apply online**. Once approved, cover starts after the waiting period.  
* **Step 5: Visit the vet, and make your claim**. Pay the vet after your first visit, submit your invoice digitally, and receive your reimbursement.

## Pet insurance versus liability insurance AVP

Although they are often confused, **pet insurance** and **liability insurance** serve very different purposes, and many pet owners need both.

**Pet health insurance** helps cover medical costs for your own pet, such as:

* Vet visits  
* Surgery and hospital stays  
* Medication  
* Emergency treatment

**Liability insurance AVP** covers damage or injury your pet causes to other people or their property. In the Netherlands, this is usually included in a personal liability insurance policy.

Liability insurance is **not legally mandatory, but it is strongly recommende**d. You are financially responsible for any damage caused by your pet, even if it happens by accident.

Feather offers [**personal liability insurance**](https://feather-insurance.com/en-nl/personal-liability-insurance) that includes cover for damage caused by pets, so you are protected in everyday situations.

## What pet insurance usually covers

Pet insurance is designed to help with **unexpected** and **medically necessary** veterinary care. 

Coverage varies by insurer, but most policies include similar elements. Typical cover includes:

* **Vet visits and diagnostics**: Consultations, examinations, blood tests, X rays, and other diagnostic procedures related to illness or injury.  
* **Surgery and hospital care**: Operations, anesthesia, and hospital stays after accidents or serious conditions.  
* **Medication**: Prescription medicines related to covered treatment or recovery.  
* **Emergency care**: Urgent treatment after accidents or sudden illness, including evenings and weekends.  
* **Chronic conditions**: Ongoing treatment for long term conditions such as diabetes or arthritis, often with annual limits.

The exact level of cover depends on your policy. **Annual limits always apply**, which means there is a maximum amount paid per year.

Pet insurance **does not cover every expense**. Most policies do not cover: 

* Pre-existing conditions  
* Routine checkups and vaccinations  
* Pregnancy and breeding-related costs  
* Non-essential or elective treatments 

Knowing the exclusions helps avoid surprises. Some insurers offer optional preventive packages, but these cost extra and usually come with strict limits. 

Always **check the policy details** before signing up.

## How much does pet insurance cost in 2026

The cost depends on your pet’s **age**, **breed**, and the **coverage** you choose. Annual coverage limits and deductible amounts also affect price. 

On average, you can expect to pay around **€30 to €70 for dogs**, and **€15 to €40 for cats**. 

**Premiums** often increase over time as pets age and veterinary costs rise.

## Does pet insurance make sense for you? 

Pet insurance can be helpful, but it is not for everyone. 

**It often makes sense if:**

* You have a young pet  
* Your pet’s breed has higher health risks  
* You want protection from large, unexpected bills  
* You prefer predictable monthly costs

**It may be less useful** if your pet is older, you have savings set aside for vet bills, or if you mainly expect routine care

## How to choose the right pet insurance

Small details matter when you need to claim. When comparing between plans, **remember to check**:

* Annual coverage limits and reimbursement percentages  
* Deductible structures  
* Waiting periods and ease of the claims process  
* Cover for chronic conditions  
* Availability of English support

Comparing these points helps you choose a policy that fits both your pet and your budget.

## Moving to the Netherlands with a pet

**If you are moving with a pet**, there are extra rules to keep in mind.

Pets from the EU need a pet **passport**, **microchip**, and valid **rabies vaccination**. Pets from outside the EU may need additional tests and waiting periods.

Insurance usually starts only after arrival. Medical issues from before the policy start date are not covered, including travel related problems.

## Conclusion 

Pet insurance in the Netherlands is optional, but it can make handling unexpected veterinary costs much easier. For many pet owners, it offers necessary peace of mind.

Liability insurance is just as important, since you’re legally responsible for damage or injury caused by your pet.

Feather can help you arrange [personal liability insurance](https://feather-insurance.com/en-nl/personal-liability-insurance) that covers pets.

Choosing the right cover means protecting your pet and yourself, so you can focus on enjoying life together in the Netherlands\!

Life Insurance in the Netherlands Hero Image

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Life insurance in the Netherlands (levensverzekering)

Thinking about what would happen to your loved ones if you weren’t around is never easy. 

But there’s a hard truth: 

Losing an income can leave families in a (very) tough spot. Especially with big expenses like housing, childcare, or debts still on the table.

But it’s not all bleak.

[Life insurance in the Netherlands](https://feather-insurance.com/en-nl/life-insurance) (levensverzekering) is designed to step in at exactly that moment. With the right policy, your family gets financial breathing room when they need it most. 

That means stability, security, and a clear plan for the future.

However, navigating Dutch insurance options can be challenging, especially for expats. 

The good news? 

Once you understand how it works, you can make confident choices without second-guessing yourself.

> In this post, you’ll learn:  
> - What life insurance in the Netherlands actually covers  
> - Who benefits most from having a policy  
> - The main types of coverage (and how to choose between them)  
> - How much protection you really need to avoid your family hardship

## What is Dutch life insurance?

Life insurance in the Netherlands aims to protect your family’s financial security if you pass away. 

The policy pays out a lump sum to the beneficiaries you name, providing them with the support they need to cover major expenses and maintain stability during a challenging time.

Losing a household income can create serious financial pressure. A Dutch life insurance plan helps bridge the gap by covering costs that government benefits alone may not fully address. 

This makes it valuable for families who want peace of mind with:

* Paying off a home loan or other debts

* Covering everyday living expenses for several years

* Saving for children’s university or other education costs

## Who needs life insurance in the Netherlands?

Life insurance in the Netherlands is primarily designed for individuals who have dependents financially reliant on their income. 

If you support a spouse, child, or parent financially, this policy provides essential protection. 

But if nobody relies on your earnings, you may not need coverage at all. 

Many adults start considering life insurance after becoming parents, since children immediately create financial responsibility. 

An exception may be families who can live comfortably on savings or another partner’s income.

Here are the groups who benefit most from life insurance:

### Parents with children

Coverage can help cover everyday expenses such as daycare, school fees, housing, and even college tuition. 

If your children are older, you may only want to have a policy lasting until they are financially independent.  

### Main earners in the household

Life insurance secures the financial stability of a partner who does not earn enough to handle monthly bills alone.  

### Business owners

A policy ensures there is money available to keep the company operating if the owner passes away.  

### Adults with little savings

In this case, insurance can cover funeral expenses and prevent financial strain on loved ones.  

### Adults with outstanding debts

Coverage can help settle loans so they do not fall on family members.  

Financial experts agree that life insurance in the Netherlands is most valuable for those who provide direct support to others. It is not always a lifelong need; many people only purchase coverage for the years they are responsible for their family’s well-being.

## How does life insurance work in the Netherlands?

When you take out a life insurance policy, you agree to pay a monthly or annual premium. In return, the insurer promises to pay a set amount of money (called the *death benefit*) to your chosen beneficiaries if you pass away during the policy period.

With this amount, your family can continue to maintain their standard of living, cover funeral expenses, settle your debts, and even set aside some leftover money.

## Terms vs. whole vs. variable life insurance

Life insurance comes in different types. The three most common are **term life insurance**, **whole life insurance**, and **variable life insurance**. Each type works differently, offers unique benefits, and comes with its own drawbacks. 

Here’s how each of them works:

* **Term life insurance:** You pay a fixed premium for a set period (for example, 10, 20, or 30 years). If you pass away during this time, your family gets a payout. This is the most straightforward type of policy, and is often available through Dutch banks or insurers.

* **Whole life insurance:** Coverage lasts your entire life. Premiums are higher, but the policy builds a “cash value” over time. That means a portion of your payment is put into a savings account, which earns interest. Dutch insurers may not always offer this option, so you may need to consider an international provider. Premiums are **significantly** higher than those for term policies.

* **Variable life insurance:** Similar to whole life, but your cash value is invested in funds like stocks or bonds. Returns depend on the market. These are, again, less common in the Dutch market (though they are still available). If you choose to go with an international provider, be cautious of fees and taxes.

Here’s a brief summary of each type’s pros, cons, and who it’s for:

| Type of policy | Pros | Cons | Who it’s for |
| :---- | :---- | :---- | :---- |
| **Term life insurance** | Usually the cheapest, clearest, and simplest option | No payout if you outlive the term. If you choose to renew, you’ll pay higher premiums. | People who want affordable coverage to protect dependents or a mortgage |
| **Whole life insurance** | Lifelong coverage, and it helps you build savings. | Expensive, and using your cash value comes with numerous conditions. | Those seeking lifetime security and long-term wealth planning |
| **Variable life insurance** | Has an investment growth potential and offers some flexibility in where you want to invest. | Returns are tied to the market (risky).  Contracts are complicated to compare and impose high fees. | Experienced investors who want both protection and investment in one plan |

## How to get life insurance in the Netherlands

The first step is research. In the Netherlands, most people start with **online comparison sites** like Independer or Pricewise. These let you filter policies by:

* coverage amount

* monthly premium

* contract length

If you’d rather not dive into Dutch-language websites, consider working with a **broker (tussenpersoon)**. A broker can explain terms in plain English, compare products from multiple insurers, and handle the paperwork for you.

Alternatively, Feather offers life insurance 100% in English, including sign-ups, contracts, claims, and more.

Insurers usually ask for these documents:

* Your BSN (citizen service number)

* a valid residence permit

* a Dutch bank account (to pay monthly premiums)

These confirm that you’re legally living in the Netherlands and connected to the financial system.

Once you’re ready and have all the documents, here’s what the process looks like:

1. **Choose a provider:** Decide whether you’ll go with a comparison site or a broker. Your choice depends on your comfort with Dutch and how much personal support you want.
2. **Answer health and lifestyle questions:** Expect detailed questions about your health, smoking habits, family history, job, and lifestyle. Riskier jobs or hobbies may lead to higher premiums.
3. **Decide the coverage amount:** Think about how much your dependents would need if you weren’t around. Include funeral costs, debts, living expenses, and future needs like education.
4. **Pick the contract length:** Life insurance terms are flexible. Some last 10 years, others 30\. Choose based on your family situation (like whether your kids will need support through university, or how long you’ll be paying off a mortgage).
5. **Submit documents and wait for approval:** Once all documents are submitted, the insurer reviews your application. This can take longer for expats if extra documents are required.

## How much does life insurance in the Netherlands cost?

Premiums vary depending on several risk factors:

* **Age:** Younger applicants typically pay far less than older ones.    
* **Health:** Existing medical issues, weight, or chronic illnesses can lead to increased costs.    
* **Lifestyle:** smoking or high-risk professions typically push rates higher.    
* **Coverage and duration:** Larger payouts and longer terms result in higher monthly premiums.  

For example:

* A healthy non-smoker aged 35 might pay €10 to €20 per month for €200,000 of coverage on a 20-year policy.  
* By age 45, the same plan could cost nearly twice as much.

If you want to lower your premiums, here are 4 tips we recommend to everyone:

1. Apply while you are younger to secure lower rates.    
2. Use decreasing-term insurance if your goal is to cover your mortgage.    
3. Improve health markers, such as quitting smoking or reducing weight.    
4. Compare offers through independent platforms like Independer or Pricewise instead of accepting the first option that comes across your desk.

## How much death benefit do you need?

Figuring out the right death benefit isn’t about guessing a number. 

It’s about ensuring your family's financial security, without overpaying. 

For expats in the Netherlands, the calculation is slightly more complex. You’re balancing Dutch living costs, local benefits, and maybe even financial ties back home. 

Let’s break it down.

A common benchmark is to aim for **5–10 times your annual income**.

Why? 

That cushion helps your family maintain their lifestyle while they adjust and make long-term plans.

But… Expats often have different financial setups from locals. 

Perhaps you’re renting instead of buying, or your kids’ international schooling costs are higher. 

That’s why it pays to refine the number to your specific situation and consider the expenses your family would face without your income. 

Here are the big ones:

* **Housing costs**: Mortgage balance or long-term rent. This is usually the biggest line item. Aim to cover your mortgage entirely, or pay for 3 to 5 years’ worth of rent

* **Childcare and education**: Daycare, after-school care, or international school fees. Generally, you can assume that amount to be between €150,000 and €300,000 per child.

* **Debts**: Credit cards, personal loans, or anything that shouldn’t fall on your partner or kids. 

* **Everyday living**: Groceries, transport, utilities, health insurance, and healthcare. 

**For example:**

Let’s say you earn €60,000 per year, have a €200,000 mortgage, and two children in daycare. 

Covering the mortgage plus at least 10 years of childcare and schooling could push your coverage needs closer to €600,000–€700,000.

## Will the Dutch government tax the payout?

The short answer is that life insurance payouts in the Netherlands are **not taxed as income**, but **inheritance tax** does come into play.

Here’s how it works:

Instead of income tax, payouts may fall under **inheritance tax (erfbelasting)**. This is where things get more complicated (especially for foreigners).

The tax depends on two factors:

1. **The relationship** between the insured person and the beneficiary.
2. **The “exemption amount”** (the portion of a life insurance payout that beneficiaries can receive tax-free before Dutch inheritance tax applies), which is updated every year.

Here’s how it typically works:

* **Spouse or registered partner**: very high exemption. In many cases, most or all of the payout is tax-free.

* **Children**: smaller exemption. Anything above that amount is taxed.

* **Others (siblings, friends, distant relatives)**: very limited exemption. Most of the payout will be subject to taxation.

If your beneficiaries **live outside the Netherlands**, their country may also tax the payout.

That creates a big problems: **Double taxation**. 

The Netherlands taxes the payout as inheritance, and the other country taxes it as well.

For expats, this is the ideal time to seek professional advice. A tax advisor familiar with **cross-border inheritance rules** can help you make sure your family doesn’t face unexpected bills.

## Alternatives to life insurance for Dutch residents

### Savings and investments

Some people choose to “self-insure” by building wealth rather than purchasing a policy.

If you have:

* A **savings buffer** large enough to cover debts,

* Or an **investment portfolio** that provides income for your dependents,

Then life insurance may be less essential.

The downside? This approach requires **discipline and time**. 

For people just setting up in the Netherlands, building sufficient savings takes years. Until then, we recommend life insurance.

### Employer’s survivor pensions (nabestaandenpensioen)

Many Dutch employers (sometimes, even unions or professional associations) include a **survivor pension** in their company pension scheme.

How does it work?

If you pass away while employed, your partner or children may receive ongoing payments. The amount depends on:

* Your **salary level**

* Your **years of service**

For expats, this is one of the first things to check. Log in to your pension portal or ask HR whether your contract includes a survivor pension. If it does, you may not need as much life insurance as you thought.

### Mortgage protection products

If your primary concern is keeping the family home safe, mortgage protection may be the solution.

These products are designed to **pay off the mortgage if one borrower dies**, ensuring that your partner or family can continue to live in the home.

However, keep in mind:

* Coverage is **limited to the mortgage**.

* It won’t help with living costs, education, or other expenses.

That’s why many expats skip mortgage protection and opt for a term life insurance policy instead.

### State benefits (anw)

The Dutch government offers a survivor benefit called **nabestaandenuitkering ANW**:

* It’s **means-tested** (based on your household income).

* It’s only available under **specific conditions**, like having young children or a disabled surviving partner.

* Payments are usually **too low to cover the totality of family expenses**.

For most expats, ANW is more of a small supplement than a realistic replacement for life insurance.

Sign up for life insurance

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Life Insurance in Belgium (assurance vie/levensverzekering)

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Dutch health insurance & healthcare in the Netherlands (2026)

Living in the Netherlands means you must have health insurance—it’s a legal requirement for everyone who resides there, whether permanently or temporarily.


Dutch health insurance ensures you can access essential medical care whenever you need it, without financial strain.


However, understanding how the system works—and finding the right insurance—can feel overwhelming at first.


In this guide, you’ll learn:


- Why health insurance is mandatory in the Netherlands
- The difference between basic and supplemental insurance
- What Dutch health insurance typically covers
- How much you can expect to pay in 2025
- How to register for health insurance step\-by\-step
- And tips for finding the best plan for your situation


By the end, you’ll have a complete understanding of how Dutch health insurance works and how to make sure you’re adequately covered during your stay in the Netherlands.


Before we start, here is how to get health insurance in the Netherlands:


1. **Before moving:** Get expat health insurance (recommended) or travel insurance (if short\-term).
2. **Once you register your address:** Apply for basic insurance
3. **When waiting for basic coverage:** Keep expat insurance so you’re covered.
4. **After getting basic coverage:** Get a supplemental policy for better coverage.


Now, let’s dive into how Dutch healthcare and health insurance works.


## The two types of Dutch health insurance


### Basic Health Insurance (Basisverzekering)


Everyone living in the Netherlands must get basic health insurance within four months of registering their address. 


Thanks to the Long\-Term Care Act, basic insurance is available to (almost) all residents. To check if you're eligible, try our [Dutch health insurance wizard](https://tally.so/r/q45OdG).


It covers essential healthcare services like doctor visits, hospital treatments, prescription medications, and maternity care.


### Supplemental Health Insurance (Aanvullende verzekering)


Supplemental insurance covers services not included in the basic package, such as adult dental care, hearing aids, and specialized therapies. 


While all insurers must accept basic insurance, supplemental insurance is optional, and companies can refuse coverage based on your health history.


## Why is health insurance compulsory in the Netherlands?


The Netherlands requires health insurance to ensure that everyone can access essential medical care, regardless of their income or health status. The system operates on the principle that everyone contributes, fostering a fair and stable healthcare system.


Residents pay monthly premiums and income\-based contributions. The government steps in to help people who can’t afford these costs. 


According to [recent research](https://www.sciencedirect.com/science/article/pii/S016885102400109X), only 24,000 people (0\.13% of the population) remain uninsured, demonstrating the system’s success in achieving near\-universal coverage.


## How does the Dutch healthcare system work?


The Dutch healthcare system combines mandatory basic insurance with optional supplemental insurance.


Everyone in the Netherlands is covered by basic health insurance. This type of insurance is mandatory and primarily funded through:


- **Social security contributions**: A percentage of your income, called a *premie*, is deducted from your salary (currently 9\.65% of your income tax).
- **Nominal fee:** This is the amount you pay your insurance company each month, which is approximately €156 per month.
- **Annual deductible (eigen risico)**: The first €385 of certain medical costs must be paid out\-of\-pocket each year.


Basic insurance covers:


- Hospital stays and outpatient treatments
- Prescription medications
- Dental care for children (up to 18 years old)
- Medical aids (like crutches or wheelchairs)
- Pregnancy and childbirth services


Supplemental insurance is optional and covers treatments not included in the basic package, such as:


- Dental treatments for adults
- Hearing aids
- Orthodontics or fertility treatments


Insurance companies can refuse supplemental coverage if they consider you high\-risk based on your health history.


## Basic vs supplemental insurance: Key differences




|  | Basic insurance | Supplemental insurance |
| --- | --- | --- |
| Eligibility | Open to all legal, long\-term residents; cannot be refused. | Depends on health status; insurers can refuse coverage. |
| Cost | About €155\.70/month \+ 9\.65% of income tax \+ €385 annual deductible. | Varies by coverage, age, and health (e.g., vision plans are cheaper than dental ones). |
| Coverage | Essential care: hospital visits, medications, childbirth. | Extra services: dental care, orthodontics, private rooms. |
| Coverage for families | Free for children under 18 (no premiums or deductibles). | Available for each family member; additional discounts are available for families. |
| Medical bills | Insurer covers bills directly; you pay costs within your deductible. | You typically pay upfront and get reimbursed later. |


## What does Dutch health insurance cover?


### Pregnancy and childbirth


Dutch basic health insurance always covers pregnancy\-related care. This includes:


- **Prenatal care**: Doctor visits, checkups, lab tests, and ultrasound exams.
- **Childbirth**: Coverage for both hospital and home births.
- **Postnatal care**: Follow\-up visits and treatments after giving birth.


**Supplemental insurance** can offer extra maternity benefits, such as:


- **Maternity care at home**: Help with baby care, like feeding and bathing, after leaving the hospital.
- **Extra hospital care**: More days in the hospital if you need extra recovery time or support.


### Medications


Basic health insurance covers most prescription medications, but with some limits:


- **Maximum reimbursement**: The government sets a maximum price it will reimburse. If your medication costs more, you pay the difference.
- **Annual deductible**: You must first pay €385 out\-of\-pocket each year, which includes medication costs.
- **Non\-prescription drugs**: Items such as over\-the\-counter pain relievers or cold medicine are not covered.


### Hospitalization


Hospital care is included in the basic insurance, but not all costs are fully covered. Here’s what you need to know:


- **Direct billing**: Hospitals work directly with your insurer, so you don’t need to pay upfront.
- **Annual deductible**: As with other healthcare services, you must pay the first €385 of costs.
- **Daily fee**: You may need to pay a small daily contribution, ranging from €6\.90 up to €19\.42 per night, depending on:  

	- Your insurance status (standard, low\-income allowance, etc.)
	- Your room type (shared, double, or private)
	- How long you stay


**Supplemental insurance** can help cover:


- Private or semi\-private rooms
- Extended stays
- Additional hospital amenities


While basic insurance ensures you get essential medical treatment, supplemental coverage can make your stay more comfortable.


## Where can you get health insurance in the Netherlands?


In the Netherlands, many companies offer health insurance, and you are free to choose the one that best fits your needs. 


Some popular providers are:


- **ONVZ**: Known for excellent customer service and good support for English speakers.
- **OHRA**
- **Zilveren Kruis**
- **And many others…**


To easily compare plans and prices, websites like [Zorgwijzer.nl](http://zorgwijzer.nl) can help you find the best option based on your needs and budget.



## How to get health insurance in the Netherlands


### Step 1: Move to the Netherlands


Before you even set foot in the Netherlands, you’ll need health insurance.


The kind of insurance you need depends on your situation:


- **Short\-term stays (e.g., tourist visa, less than 4 months):** Get travel health insurance to cover emergencies.
- **Long\-term stays (moving, studying, working):** Get [expat health insurance](https://feather-insurance.com/en-nl/health-insurance/expat).


Even if you plan to apply for Dutch basic health insurance (basisverzekering), you won’t be eligible immediately. You need a valid residence permit (or proof that your permit is being processed) to sign up.


**Important:** If your residence permit isn’t finalized yet, Dutch insurers will reject your application for basic coverage. That’s why expat health insurance is critical during this in\-between phase.


### Step 2: Register with your local municipality


Once you arrive in the Netherlands, your first official step is to **register with your gemeente** (city hall or municipal office). Here’s what happens:


- You’ll receive your **Citizen Service Number (BSN)** — your personal ID for all things Dutch, including healthcare, taxes, banking, and more.
- You’ll also officially register your address.


Without a BSN, you can’t get basic health insurance. So make this a top priority.


### Step 3: Get Dutch basic health insurance within 4 months


After you receive your BSN, you **must sign up for Dutch health insurance within four months**.


There are two main types of policies available:


- **Restitutie (reimbursement policy)**: You can visit any doctor or hospital, even those without contracts with your insurer. You pay upfront and get reimbursed later.
- **Natura (in\-network policy)**: You must use healthcare providers which your insurer has agreements. Visiting an out\-of\-network provider may mean higher costs for you.


You can find a complete list of insurers and compare plans on comparison websites like [Zorgwijzer.nl](http://zorgwijzer.nl).


**If you don’t sign up within 4 months**, you risk fines and backdated premiums—so don’t delay!


### Step 4: Stay insured while waiting for eligibility


If your residence permit is still pending—or if there’s any delay—you’re technically **not eligible for Dutch basic insurance yet**.


That’s where **expat health insurance** comes in. It covers you until you’re officially allowed to join the Dutch system.


Without temporary insurance, any unexpected illness or accident could leave you facing huge medical bills. Hospitals in the Netherlands won’t refuse emergency care—but you’ll be responsible for the full costs.


**Feather’s expat insurance** offers:


- **Flexible cancellation:** Cancel anytime when your Dutch insurance kicks in.
- **100% digital process:** Sign up, manage claims, and cancel—all online.
- **Friendly, English\-speaking support:** Get help with visa requirements, insurance questions, and more.


**Tip:** Always stay insured. Never try to “wing it” uninsured—even for a few weeks.


### Step 5: Register with a General Practitioner (GP)


Once your Dutch insurance is active, find a local **huisarts** (GP).


In the Netherlands, your GP is your first stop for most healthcare needs. They handle:


- Everyday medical issues
- Prescriptions
- Referrals to specialists


Without a GP, getting specialist treatment can be difficult. If your chosen doctor’s office is full, your insurer can help you find one with space.


## What if I am not yet eligible for basic health insurance?


If your visa or residence permit is still being processed, you are **not yet eligible** for Dutch basic health insurance. This includes cases where you have only an authorization for a temporary stay (MVV) without a finalized permit.


However, you still need health insurance to meet visa rules and protect yourself from high medical costs.


In such situations, **expat health insurance** (also known as international or incoming insurance) is crucial. It’s tailored for:


- New arrivals
- Freelancers and self\-employed individuals
- Visa applicants
- Students
- Postdoctoral researchers
- Job seekers


Expat insurance covers major medical treatments, ensuring you stay protected and compliant with visa requirements. Plus, if you choose Feather, you get:


- **Flexible cancellation**: Cancel anytime without penalties.
- **Fully digital process**: Manage your insurance entirely online, from signup to claims.
- **English\-speaking support**: Friendly advisors can help you with visa or insurance questions.

## A Brief History of the Dutch Healthcare System


### Humble beginnings


The Dutch healthcare system dates back to the Middle Ages. During this time, trade guilds created **health money boxes** to help their members cover medical expenses. These early “collecting boxes” supported those who couldn’t afford care and laid the foundation for modern health insurance.


### First steps towards health insurance


In the late 18th century, around **1780**, the first commercial health insurance funds appeared. These funds made it possible for low\-income households to insure themselves, offering an alternative to relying on church charities or municipal aid during emergencies.


### The birth of modern health insurance


In **1905**, under Prime Minister Kuyper’s leadership, the **Royal Dutch Society of Medicine (KNMG)** was founded. The KNMG introduced general insurance packages and healthcare contracts. For the first time, structured access to basic healthcare became available to low\-income families, marking the true beginning of organized health insurance in the Netherlands.


### The impact of World War II


By **1940**, about two\-thirds of the Dutch population had some form of health insurance. During the German occupation in **1941**, the **Krankenkasse** system was introduced, making insurance mandatory for all residents under a certain income level. This expanded healthcare access even further.


### Universal healthcare


The healthcare model introduced during World War II remained in place until **2006**, when the Netherlands reformed its system. The new system made basic health insurance mandatory for all residents and introduced **risk equalization**:


- Insurers must accept everyone, regardless of health status.
- Premiums cannot be higher for people with chronic illnesses or other risks.
- A **risk equalization pool** redistributes funds to insurers that cover more high\-risk individuals.


This change created a universal, fair, and sustainable healthcare system for all Dutch residents.


## Frequently Asked Questions


## Should you get supplementary coverage?


It depends on your needs. If you are young and generally healthy, supplemental insurance may not be necessary. However, if you deal with specific health concerns, like chronic back pain, additional coverage could be a wise investment. For example, basic insurance might not fully cover physiotherapy sessions, while supplemental plans often do.

Once your insurance is sorted, you may find that accessing mental health support in the Netherlands is its own challenge. It's Complicated is a therapy platform built for internationals, with English-speaking therapists across the Netherlands and the ability to search and book online. You can [find a therapist in Amsterdam](https://complicated.life/blog/find-a-therapist-in-amsterdam/) here.


## Is healthcare expensive in the Netherlands?


Healthcare is generally affordable. Basic insurance covers most essential services. However, some out\-of\-pocket costs may still arise. For instance, if you prefer a pricier brand of medication, you might need to pay the difference yourself. Overall, healthcare costs remain manageable for most residents.


## How much is Dutch health insurance?


As of **2025**, the average cost of basic health insurance is around **€159 per month**. Your actual cost can vary based on:


- The specific package you choose
- The deductible amount you select
- Your insurer


If you add supplemental insurance, your costs will rise. Other factors, such as your age and health needs, can also affect the final price.


## How can you change your insurance company?


Switching health insurers is easy:


- **Before December 31**: Take out a new policy online or by phone. Your new insurer will cancel your old policy on your behalf.
- **If you cancel your policy yourself** by December 31, You have until **February 1** to select a new insurer.


## How to Get a Doctor’s Appointment in the Netherlands?


Booking a doctor’s appointment is simple. You can call or visit the GP practice directly. A doctor’s assistant will help you set up your appointment.


When you first arrive, you won’t automatically have an assigned **General Practitioner (GP)**. It’s a good idea to research available doctors in your area early.


You can use the [ZorgkaartNederland portal](https://www.zorgkaartnederland.nl/huisarts) to search for local GPs by entering your address.

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