Compare Dutch Health Insurance
By law, every resident in the Netherlands must have a Dutch basic health insurance package. Compare the most expat-friendly providers below.
The 4-Month Rule: You must take out insurance within 4 months of your BRP registration to avoid a retroactive fine. Still confused? Read our full guide.
Clicking a provider will take you securely to their official website to complete your application.
Zilveren Kruis
From € 147.45 /mo
One of the largest providers in the Netherlands with a strong focus on international clients and a dedicated English app.
- Full English website and app
- Wide network of contracted hospitals
- Fast claim payouts
- Free access to online GP
CZ
From € 145.85 /mo
A reliable, non-profit health insurer known for excellent customer service and high customer satisfaction rates.
- Excellent customer service
- Flexible supplementary packages
- Free health coaching app
- Easy online claiming
Menzis
From € 146.75 /mo
Menzis offers competitive pricing and rewards members with points for healthy behavior through their 'SamenGezond' program.
- Rewards program for healthy living
- Clear English documentation
- Affordable supplementary options
- Direct billing with most providers
Frequently Asked Questions
Are all basic insurances the same?
Yes, the contents of the basic package ("basisverzekering") are determined by the Dutch government and are identical across all providers. You should choose a provider based on price, customer service, and whether they offer an English app.
Can I cancel or switch anytime?
No. In the Netherlands, you can only switch health insurance providers once a year, between November 12th and December 31st. The new policy will take effect on January 1st. Make sure to choose a provider you are comfortable with for the rest of the year.
What is the "eigen risico" (deductible)?
The mandatory deductible is €385 per year. This means you pay the first €385 of specialized healthcare costs (like hospital visits or prescription drugs) yourself. Visits to the GP (huisarts) are exempt from this and are always fully covered.