Healthcare

THE DUTCH HEALTHCARE SYSTEM

The Netherlands has a well‑organised healthcare system. If you are new to the country, finding your way in the system may feel confusing at first.

In the Netherlands, health insurance is mandatory. This page explains the basics of health insurance and how to find a doctor. For more detailed information in English, you can visit Healthcare For Internationals.

HEALTH INSURANCE (ZORGVERZEKERING)

If you live and work in the Netherlands, you are required to take out Dutch health insurance.

The basic health insurance package (basisverzekering) covers essential medical care. This includes visits to your general practitioner (huisarts), hospital and specialist care, maternity care, most prescribed medicines, and dental care for children.

There are many health insurance providers in the Netherlands. The basic package is the same for everyone, but monthly costs and additional options may differ. If you want extra coverage, for example for dental care or physiotherapy, you can take out supplementary insurance. Each insurer offers different options and conditions.

It is a good idea to compare providers before choosing one. Zorgwijzer can help you compare providers and decide which one suits your needs best. Before choosing a provider, check with your employer. Some employers offer corporate health insurance, which may include a discount.

Are you an international student?

If you are an international student and you have a part‑time job, you are required to take out Dutch health insurance. This also applies to EU students who already have a European Health Insurance Card (EHIC). If you start working without Dutch health insurance, you may receive a fine.

Healthcare allowance

Health insurance can be expensive. If you have a lower income, you may be eligible for healthcare allowance (zorgtoeslag).

You may qualify if you:

are 18 years or older
have Dutch health insurance
have an EU nationality, residence permit, or work permit
earn below a certain income level

Income limits change every year. Always check the current conditions on the website of the Tax Authority (Belastingdienst). You can apply for healthcare allowance online using your DigiD here.

VISITING YOUR GENERAL PRACTITIONER (HUISARTS)

The Dutch healthcare system uses a gatekeeper system. This means that you usually need a referral from your general practitioner, called a huisarts, to see a specialist.

Your GP is your first point of contact for most medical questions and health problems. They can treat you directly or refer you to a specialist if needed. Visiting a specialist without a referral may mean that your health insurance does not cover the costs.

It is important to register with a GP as soon as you know where you will be living. Many GP practices have waiting lists, so registering early is recommended! Search for a doctor in your area using Zorgkaart Nederland.

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