{"id":6926,"date":"2025-05-27T13:59:12","date_gmt":"2025-05-27T11:59:12","guid":{"rendered":"https:\/\/thecitylifer.com\/blog\/?p=6926"},"modified":"2025-05-28T13:23:19","modified_gmt":"2025-05-28T11:23:19","slug":"the-ultimate-guide-to-health-insurance-in-the-netherlands","status":"publish","type":"post","link":"https:\/\/thecitylifer.com\/blog\/moving-to-netherlands\/the-ultimate-guide-to-health-insurance-in-the-netherlands\/","title":{"rendered":"The Ultimate Guide to Health Insurance in The Netherlands"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6926\" class=\"elementor elementor-6926\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad51dbe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad51dbe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9d04539\" data-id=\"9d04539\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90cda15 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"90cda15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"123\" data-end=\"294\">There is a lot to figure out when <em data-start=\"157\" data-end=\"182\">moving to a new country<\/em>. <em data-start=\"184\" data-end=\"209\">Finding a place to live<\/em>, <em data-start=\"211\" data-end=\"239\">adjusting to a new culture<\/em>, and of course, <em data-start=\"256\" data-end=\"291\">sorting out your health insurance<\/em>.<\/p><p class=\"\" data-start=\"296\" data-end=\"543\">In the Netherlands, having <strong data-start=\"323\" data-end=\"361\">health insurance (zorgverzekering)<\/strong> isn\u2019t just <em data-start=\"373\" data-end=\"384\">important<\/em>; it\u2019s <strong data-start=\"391\" data-end=\"404\">mandatory<\/strong>. Failing to get coverage can lead to <strong data-start=\"442\" data-end=\"451\">fines<\/strong>, and with so many options available, <strong data-start=\"489\" data-end=\"516\">choosing the right plan<\/strong> can feel <em data-start=\"526\" data-end=\"540\">overwhelming<\/em>.<\/p><p class=\"\" data-start=\"545\" data-end=\"888\">While <em data-start=\"551\" data-end=\"586\">keeping healthcare ties back home<\/em> may seem <em data-start=\"596\" data-end=\"608\">convenient<\/em>, it\u2019s often <em data-start=\"621\" data-end=\"634\">impractical<\/em>. You may <em data-start=\"644\" data-end=\"665\">lose patient status<\/em> with providers abroad, and <em data-start=\"693\" data-end=\"719\">travelling for treatment<\/em> can be <strong data-start=\"727\" data-end=\"737\">costly<\/strong>, especially in <strong data-start=\"753\" data-end=\"768\">emergencies<\/strong>. Securing the <strong data-start=\"783\" data-end=\"828\">right health insurance in the Netherlands<\/strong> ensures you get the <strong data-start=\"849\" data-end=\"866\">care you need<\/strong> <em data-start=\"867\" data-end=\"885\">when you need it<\/em>.<\/p><p class=\"\" data-start=\"890\" data-end=\"1029\">The good news? The <strong data-start=\"909\" data-end=\"936\">Dutch healthcare system<\/strong> is one of the <strong data-start=\"951\" data-end=\"972\">best in the world<\/strong>, and this guide will help you <em data-start=\"1003\" data-end=\"1026\">navigate it with ease<\/em>.<\/p><p class=\"\" data-start=\"1031\" data-end=\"1058\">Here\u2019s what you\u2019ll learn:<\/p><ul data-start=\"1059\" data-end=\"1341\"><li class=\"\" data-start=\"1059\" data-end=\"1104\"><p class=\"\" data-start=\"1061\" data-end=\"1104\"><strong data-start=\"1061\" data-end=\"1102\">How the Dutch healthcare system works<\/strong><\/p><\/li><li class=\"\" data-start=\"1105\" data-end=\"1166\"><p class=\"\" data-start=\"1107\" data-end=\"1166\"><strong data-start=\"1107\" data-end=\"1164\">The best and most affordable health insurance options<\/strong><\/p><\/li><li class=\"\" data-start=\"1167\" data-end=\"1225\"><p class=\"\" data-start=\"1169\" data-end=\"1225\"><strong data-start=\"1169\" data-end=\"1223\">How to compare plans and choose the right provider<\/strong><\/p><\/li><li class=\"\" data-start=\"1226\" data-end=\"1284\"><p class=\"\" data-start=\"1228\" data-end=\"1284\"><strong data-start=\"1228\" data-end=\"1282\">How to apply for healthcare benefits (zorgtoeslag)<\/strong><\/p><\/li><li class=\"\" data-start=\"1285\" data-end=\"1341\"><p class=\"\" data-start=\"1287\" data-end=\"1341\"><strong data-start=\"1287\" data-end=\"1339\">How to switch providers or cancel your insurance<\/strong><\/p><\/li><\/ul><p class=\"\" data-start=\"1343\" data-end=\"1523\">Whether you\u2019re an <strong data-start=\"1361\" data-end=\"1370\">expat<\/strong>, <strong data-start=\"1372\" data-end=\"1383\">student<\/strong> or <strong data-start=\"1387\" data-end=\"1409\">long-term resident<\/strong>, this guide will give you <em data-start=\"1436\" data-end=\"1457\">everything you need<\/em> to make <strong data-start=\"1466\" data-end=\"1520\">decisions about your healthcare in the Netherlands<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a80985 elementor-widget elementor-widget-image\" data-id=\"1a80985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/GP-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/GP-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/GP.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/GP-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/GP-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/GP-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/GP.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6906 sp-no-webp\" alt=\"Woman speaking with a female doctor inside a medical consultation room\" fetchpriority=\"high\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41b9efa elementor-widget elementor-widget-spacer\" data-id=\"41b9efa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c897fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c897fc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5eb30be\" data-id=\"5eb30be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0ae1614 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ae1614\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f255210\" data-id=\"f255210\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fd3342 elementor-widget elementor-widget-heading\" data-id=\"3fd3342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overview of the Dutch Healthcare System<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-18bf330 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18bf330\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-02f3553\" data-id=\"02f3553\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d568bde elementor-widget elementor-widget-text-editor\" data-id=\"d568bde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">The <\/span><strong><a href=\"https:\/\/freopp.org\/world-index-of-healthcare-innovation\/\" target=\"_blank\" rel=\"noopener\">2024 World Index of Healthcare Innovation<\/a><\/strong><span style=\"font-weight: 400\"> assessed the <strong data-start=\"193\" data-end=\"220\">Dutch healthcare system<\/strong>. It stands in <strong data-start=\"235\" data-end=\"248\">4th place<\/strong> with a score of <strong data-start=\"265\" data-end=\"274\">57.82<\/strong>\u2014<strong data-start=\"275\" data-end=\"290\">Switzerland<\/strong> has <strong data-start=\"295\" data-end=\"308\">1st place<\/strong> with <strong data-start=\"314\" data-end=\"323\">66.19<\/strong>, <strong data-start=\"325\" data-end=\"336\">Ireland<\/strong> has <strong data-start=\"341\" data-end=\"348\">2nd<\/strong> with <strong data-start=\"354\" data-end=\"363\">59.52<\/strong>, and <strong data-start=\"369\" data-end=\"380\">Germany<\/strong> has <strong data-start=\"385\" data-end=\"392\">3rd<\/strong> with <strong data-start=\"398\" data-end=\"407\">58.54<\/strong>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7c15af elementor-widget elementor-widget-image\" data-id=\"a7c15af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/2024-World-Index-of-Healthcare-Innovation-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/2024-World-Index-of-Healthcare-Innovation-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/2024-World-Index-of-Healthcare-Innovation.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/2024-World-Index-of-Healthcare-Innovation-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/2024-World-Index-of-Healthcare-Innovation-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/2024-World-Index-of-Healthcare-Innovation-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/2024-World-Index-of-Healthcare-Innovation.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6898 sp-no-webp\" alt=\"Heat map of Europe showing healthcare innovation rankings by country in 2024\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97f5a5f elementor-widget elementor-widget-text-editor\" data-id=\"97f5a5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"412\" data-end=\"799\">The <strong data-start=\"416\" data-end=\"431\">achievement<\/strong> stems from a <strong data-start=\"445\" data-end=\"484\">powerful national healthcare system<\/strong>. This system has a <em data-start=\"504\" data-end=\"533\">reputation for availability<\/em>, <em data-start=\"535\" data-end=\"551\">high standards<\/em> along with <em data-start=\"563\" data-end=\"586\">attention to patients<\/em>. The nation applies a <strong data-start=\"609\" data-end=\"638\">managed rivalry structure<\/strong>, where <strong data-start=\"646\" data-end=\"667\">private companies<\/strong> offer <strong data-start=\"674\" data-end=\"703\">required health insurance<\/strong>. The <strong data-start=\"709\" data-end=\"745\">government maintains cost levels<\/strong> through <strong data-start=\"754\" data-end=\"778\">financial assistance<\/strong> plus <strong data-start=\"784\" data-end=\"796\">controls<\/strong>.<\/p><p class=\"\" data-start=\"801\" data-end=\"1138\">The <strong data-start=\"805\" data-end=\"837\">Netherlands healthcare model<\/strong> has both <strong data-start=\"847\" data-end=\"861\">government<\/strong> also <em data-start=\"867\" data-end=\"893\">individual organizations<\/em>.<br data-start=\"894\" data-end=\"897\" \/>Because it runs through <strong data-start=\"921\" data-end=\"930\">taxes<\/strong>, <strong data-start=\"932\" data-end=\"951\" data-is-only-node=\"\">social security<\/strong> as well as <strong data-start=\"963\" data-end=\"1010\">health plans from firms that want to profit<\/strong>, <em data-start=\"1012\" data-end=\"1039\">funding becomes available<\/em>\u2014these companies also provide <em data-start=\"1069\" data-end=\"1085\">extra programs<\/em> so that people can use <em data-start=\"1109\" data-end=\"1135\">personal medical options<\/em>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fe0f2d elementor-widget elementor-widget-spacer\" data-id=\"3fe0f2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-550027b elementor-widget elementor-widget-heading\" data-id=\"550027b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is Required To Have Health Insurance in the Netherlands?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-603a224 elementor-widget elementor-widget-text-editor\" data-id=\"603a224\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"436\"><strong data-start=\"130\" data-end=\"175\">Everyone who lives or works in the nation<\/strong> is required to have at least <strong data-start=\"205\" data-end=\"250\">basic health insurance (basisverzekering)<\/strong> under the <strong data-start=\"261\" data-end=\"316\"><a href=\"https:\/\/www.government.nl\/topics\/health-insurance\/standard-health-insurance\/compulsory-standard-health-insurance\">Healthcare Insurance Act<\/a> (Zorgverzekeringswet, Zvw)<\/strong>. This guarantees access to <strong data-start=\"344\" data-end=\"370\">basic medical services<\/strong> like <em data-start=\"376\" data-end=\"408\">doctor visits, hospital stays,<\/em> and <em data-start=\"413\" data-end=\"433\" data-is-only-node=\"\">prescription drugs<\/em>.<\/p><p class=\"\" data-start=\"438\" data-end=\"627\">However, <em data-start=\"447\" data-end=\"490\">not everyone falls under this requirement<\/em>. Some individuals are <strong data-start=\"513\" data-end=\"523\">exempt<\/strong>, while others must adhere to <em data-start=\"553\" data-end=\"570\">different rules<\/em> based on their <strong data-start=\"586\" data-end=\"599\">residency<\/strong> or <strong data-start=\"603\" data-end=\"624\">employment status<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc880d4 elementor-widget elementor-widget-image\" data-id=\"fc880d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-768x566.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-300x221.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-1024x754.webp 1024w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-1536x1131.webp 1536w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-2048x1509.webp 2048w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-768x566.webp\" height=\"566\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-768x566.webp 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-300x221.webp 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-1024x754.webp 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-1536x1131.webp 1536w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/WhoisRequiredToHaveHealthInsuranceintheNetherlands_-ezgif.com-png-to-webp-converter-2048x1509.webp 2048w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6885 sp-no-webp\" alt=\"Table outlining who is required to have Dutch health insurance by residency status\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77efa8a elementor-widget elementor-widget-heading\" data-id=\"77efa8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Who Should Have Health Insurance?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7120d1 elementor-widget elementor-widget-text-editor\" data-id=\"a7120d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Let&#8217;s break down who exactly this applies to:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03dd0d6 elementor-widget elementor-widget-text-editor\" data-id=\"03dd0d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\"><b>Residents<\/b><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a8fd0f elementor-widget elementor-widget-text-editor\" data-id=\"4a8fd0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"378\"><strong data-start=\"130\" data-end=\"186\">Dutch law mandates health insurance for all citizens<\/strong>. Most <strong data-start=\"193\" data-end=\"214\">foreign residents<\/strong> and their families must also have <strong data-start=\"249\" data-end=\"269\">health insurance<\/strong>, provided they have established <em data-start=\"302\" data-end=\"331\">sustainable (economic) ties<\/em> to the Netherlands (<em data-start=\"352\" data-end=\"374\">i.e., ingezetenschap<\/em>).<\/p><p class=\"\" data-start=\"380\" data-end=\"512\">You establish <strong data-start=\"394\" data-end=\"421\">ties to the Netherlands<\/strong> if you reside there for <em data-start=\"446\" data-end=\"470\">more than three months<\/em> and meet one of the following criteria:<\/p><ul data-start=\"513\" data-end=\"879\"><li class=\"\" data-start=\"513\" data-end=\"544\"><p class=\"\" data-start=\"515\" data-end=\"544\">You are a <strong data-start=\"525\" data-end=\"541\">tax resident<\/strong>.<\/p><\/li><li class=\"\" data-start=\"545\" data-end=\"620\"><p class=\"\" data-start=\"547\" data-end=\"620\">You are <strong data-start=\"555\" data-end=\"577\">regularly employed<\/strong> (<em data-start=\"579\" data-end=\"597\">or self-employed<\/em>) in the Netherlands.<\/p><\/li><li class=\"\" data-start=\"621\" data-end=\"672\"><p class=\"\" data-start=\"623\" data-end=\"672\">You <strong data-start=\"627\" data-end=\"640\">volunteer<\/strong> for a <strong data-start=\"647\" data-end=\"669\">Dutch organisation<\/strong>.<\/p><\/li><li class=\"\" data-start=\"673\" data-end=\"722\"><p class=\"\" data-start=\"675\" data-end=\"722\">You have <strong data-start=\"684\" data-end=\"700\">close family<\/strong> in the Netherlands.<\/p><\/li><li class=\"\" data-start=\"723\" data-end=\"767\"><p class=\"\" data-start=\"725\" data-end=\"767\">Your <strong data-start=\"730\" data-end=\"764\">children attend a Dutch school<\/strong>.<\/p><\/li><li class=\"\" data-start=\"768\" data-end=\"879\"><p class=\"\" data-start=\"770\" data-end=\"879\">You are <strong data-start=\"778\" data-end=\"790\">enrolled<\/strong> in a <em data-start=\"796\" data-end=\"826\">Dutch-language, integration,<\/em> or <em data-start=\"830\" data-end=\"849\">vocational course<\/em> at a <strong data-start=\"855\" data-end=\"876\">Dutch institution<\/strong>.<\/p><\/li><\/ul><p class=\"\" data-start=\"881\" data-end=\"1108\">However, <em data-start=\"890\" data-end=\"913\">some exceptions exist<\/em>. Those with <strong data-start=\"926\" data-end=\"947\">residence permits<\/strong> for <em data-start=\"952\" data-end=\"978\">study, working holidays,<\/em> or <em data-start=\"982\" data-end=\"1001\">cultural exchange<\/em> are <strong data-start=\"1006\" data-end=\"1022\">not required<\/strong> to have <strong data-start=\"1031\" data-end=\"1057\">Dutch health insurance<\/strong> and may use their <strong data-start=\"1076\" data-end=\"1105\">existing foreign coverage<\/strong>. <strong data-start=\"1110\" data-end=\"1125\">Expatriates<\/strong> without <em data-start=\"1134\" data-end=\"1152\">established ties<\/em> to the Netherlands or its economy (<em data-start=\"1188\" data-end=\"1206\">niet-ingezetenen<\/em>) can use <strong data-start=\"1216\" data-end=\"1250\">international health insurance<\/strong> for up to <strong data-start=\"1261\" data-end=\"1273\">one year<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67a2e99 elementor-widget elementor-widget-text-editor\" data-id=\"67a2e99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">International Students<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b653855 elementor-widget elementor-widget-text-editor\" data-id=\"b653855\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"378\"><strong data-start=\"130\" data-end=\"148\">Foreign pupils<\/strong> often do <em data-start=\"158\" data-end=\"171\">not qualify<\/em> for <strong data-start=\"176\" data-end=\"198\">Dutch health plans<\/strong>\u2014they must keep their <em data-start=\"220\" data-end=\"240\">current protection<\/em> from their <em data-start=\"252\" data-end=\"265\">own nations<\/em>. But if a <strong data-start=\"276\" data-end=\"331\">scholar starts at a local job while still in school<\/strong>\u2014such as <strong data-start=\"340\" data-end=\"365\">working limited hours<\/strong>, <strong data-start=\"367\" data-end=\"393\">performing paid duties<\/strong> for <em data-start=\"398\" data-end=\"418\">gaining experience<\/em> or <em data-start=\"422\" data-end=\"437\">aiding others<\/em> besides getting funds\u2014the <strong data-start=\"464\" data-end=\"497\">Wlz plan (Long-term Care Act)<\/strong> perhaps covers them. The person needs <strong data-start=\"536\" data-end=\"562\">Dutch health insurance<\/strong>. Even those with a <em data-start=\"582\" data-end=\"604\">\u2018zero-hour contract\u2019<\/em> must follow this <strong data-start=\"622\" data-end=\"630\">rule<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e9e3ae elementor-widget elementor-widget-image\" data-id=\"6e9e3ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Students-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Students-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Students.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Students-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Students-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Students-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Students.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6907 sp-no-webp\" alt=\"Three students sitting on campus steps with a laptop\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f8c942 elementor-widget elementor-widget-text-editor\" data-id=\"6f8c942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">Expats from the EU\/EEA<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-762ff50 elementor-widget elementor-widget-text-editor\" data-id=\"762ff50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"668\" data-end=\"808\">If you are from the <strong data-start=\"688\" data-end=\"711\">European Union (EU)<\/strong> or <strong data-start=\"715\" data-end=\"747\">European Economic Area (EEA)<\/strong>, you are required to obtain <strong data-start=\"776\" data-end=\"802\">Dutch health insurance<\/strong> if:<\/p><ul data-start=\"809\" data-end=\"988\"><li class=\"\" data-start=\"809\" data-end=\"897\"><p class=\"\" data-start=\"811\" data-end=\"897\">You have a <strong data-start=\"822\" data-end=\"841\">(part-time) job<\/strong> and\/or <strong data-start=\"849\" data-end=\"867\">pay income tax<\/strong> in the Netherlands<br data-start=\"886\" data-end=\"889\" \/><strong data-start=\"889\" data-end=\"895\">or<\/strong><\/p><\/li><li class=\"\" data-start=\"898\" data-end=\"988\"><p class=\"\" data-start=\"900\" data-end=\"988\">You are <strong data-start=\"908\" data-end=\"929\">30 years or older<\/strong> and your <strong data-start=\"939\" data-end=\"966\">stay in the Netherlands<\/strong> is <em data-start=\"970\" data-end=\"985\">not temporary<\/em>.<\/p><\/li><\/ul><p class=\"\" data-start=\"990\" data-end=\"1257\"><strong data-start=\"990\" data-end=\"1008\">Family members<\/strong> may also need to get <strong data-start=\"1030\" data-end=\"1056\">Dutch health insurance<\/strong>. If you <em data-start=\"1065\" data-end=\"1096\">don&#8217;t meet these requirements<\/em>, you likely <em data-start=\"1109\" data-end=\"1126\">aren&#8217;t eligible<\/em> for <strong data-start=\"1131\" data-end=\"1157\">Dutch health insurance<\/strong>, but you can consider <strong data-start=\"1180\" data-end=\"1207\">private expat insurance<\/strong> for <strong data-start=\"1212\" data-end=\"1235\">healthcare coverage<\/strong> in the Netherlands.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfa6bb1 elementor-widget elementor-widget-image\" data-id=\"bfa6bb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Expats-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Expats-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Expats.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Expats-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Expats-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Expats-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Expats.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6905 sp-no-webp\" alt=\"Group of expats walking with paperwork and coffee outside a building\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed29176 elementor-widget elementor-widget-text-editor\" data-id=\"ed29176\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">Expats from Outside the EU\/EEA<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ef6de8 elementor-widget elementor-widget-text-editor\" data-id=\"9ef6de8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"1300\" data-end=\"1515\"><strong data-start=\"1300\" data-end=\"1321\">Non-EU\/EEA expats<\/strong> are eligible for <strong data-start=\"1339\" data-end=\"1365\">Dutch health insurance<\/strong> if they have a <strong data-start=\"1381\" data-end=\"1417\">permanent Dutch residence permit<\/strong>. They must obtain this <strong data-start=\"1441\" data-end=\"1454\">insurance<\/strong> within <strong data-start=\"1462\" data-end=\"1477\">four months<\/strong> of the permit&#8217;s <strong data-start=\"1494\" data-end=\"1512\">effective date<\/strong>.<\/p><p class=\"\" data-start=\"1517\" data-end=\"1612\">However, you are <em data-start=\"1534\" data-end=\"1548\">not eligible<\/em> for <strong data-start=\"1553\" data-end=\"1579\">Dutch health insurance<\/strong> if you are in the Netherlands:<\/p><ul data-start=\"1613\" data-end=\"1753\"><li class=\"\" data-start=\"1613\" data-end=\"1646\"><p class=\"\" data-start=\"1615\" data-end=\"1646\">Solely for <strong data-start=\"1626\" data-end=\"1644\">study purposes<\/strong><\/p><\/li><li class=\"\" data-start=\"1647\" data-end=\"1708\"><p class=\"\" data-start=\"1649\" data-end=\"1708\">Working for an <strong data-start=\"1664\" data-end=\"1690\">employer based outside<\/strong> the Netherlands<\/p><\/li><li class=\"\" data-start=\"1709\" data-end=\"1753\"><p class=\"\" data-start=\"1711\" data-end=\"1753\">Paying <strong data-start=\"1718\" data-end=\"1751\">income tax in another country<\/strong><\/p><\/li><\/ul><p class=\"\" data-start=\"1755\" data-end=\"1856\">If you <em data-start=\"1762\" data-end=\"1777\">don&#8217;t qualify<\/em> for <strong data-start=\"1782\" data-end=\"1808\">Dutch health insurance<\/strong>, <strong data-start=\"1810\" data-end=\"1836\">expat health insurance<\/strong> is an <strong data-start=\"1843\" data-end=\"1853\">option<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39f88f8 elementor-widget elementor-widget-text-editor\" data-id=\"39f88f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">Asylum Seekers and Refugees<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d40745 elementor-widget elementor-widget-text-editor\" data-id=\"9d40745\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"1300\" data-end=\"1515\">In the Netherlands, <strong data-start=\"1916\" data-end=\"1934\">asylum seekers<\/strong> and <strong data-start=\"1939\" data-end=\"1951\">refugees<\/strong> are <em data-start=\"1956\" data-end=\"1980\">automatically entitled<\/em> to <strong data-start=\"1984\" data-end=\"2004\">basic healthcare<\/strong>. Most <strong data-start=\"2011\" data-end=\"2032\">reception centres<\/strong> provide <strong data-start=\"2041\" data-end=\"2074\">on-site healthcare facilities<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9e202a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e202a3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0756c7d\" data-id=\"0756c7d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d85a95e elementor-widget elementor-widget-spacer\" data-id=\"d85a95e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7cf704 elementor-widget elementor-widget-heading\" data-id=\"d7cf704\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Does Basic Health Insurance Cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b19279 elementor-widget elementor-widget-text-editor\" data-id=\"9b19279\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"314\">The <strong data-start=\"134\" data-end=\"158\">government evaluates<\/strong> the <strong data-start=\"163\" data-end=\"201\">mandatory health insurance package<\/strong> <em data-start=\"202\" data-end=\"212\">annually<\/em>. However, it provides <strong data-start=\"235\" data-end=\"261\">comprehensive coverage<\/strong> and typically includes the following <strong data-start=\"299\" data-end=\"311\">benefits<\/strong>:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd94855 elementor-widget elementor-widget-image\" data-id=\"fd94855\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag_-Dutch-Healthcare-Allowance-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag_-Dutch-Healthcare-Allowance-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag_-Dutch-Healthcare-Allowance.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag_-Dutch-Healthcare-Allowance-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag_-Dutch-Healthcare-Allowance-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag_-Dutch-Healthcare-Allowance-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag_-Dutch-Healthcare-Allowance.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6909 sp-no-webp\" alt=\"Medications and euro banknotes surrounding a Belastingdienst envelope\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6034a35 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6034a35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"315\" data-end=\"350\"><p class=\"\" data-start=\"317\" data-end=\"350\"><strong data-start=\"317\" data-end=\"348\">Hospital admission and care<\/strong><\/p><\/li><li class=\"\" data-start=\"351\" data-end=\"413\"><p class=\"\" data-start=\"353\" data-end=\"413\"><strong data-start=\"353\" data-end=\"411\">General practitioner (GP) consultations and treatments<\/strong><\/p><\/li><li class=\"\" data-start=\"414\" data-end=\"473\"><p class=\"\" data-start=\"416\" data-end=\"473\"><em data-start=\"416\" data-end=\"434\">Limited coverage<\/em> for <strong data-start=\"439\" data-end=\"471\">medical aids and medications<\/strong><\/p><\/li><li class=\"\" data-start=\"474\" data-end=\"529\"><p class=\"\" data-start=\"476\" data-end=\"529\"><strong data-start=\"476\" data-end=\"527\">Treatments and surgeries by medical specialists<\/strong><\/p><\/li><li class=\"\" data-start=\"530\" data-end=\"604\"><p class=\"\" data-start=\"532\" data-end=\"604\"><strong data-start=\"532\" data-end=\"554\">Psychological care<\/strong> (<em data-start=\"556\" data-end=\"601\">GP and specialist treatment with a referral<\/em>)<\/p><\/li><li class=\"\" data-start=\"605\" data-end=\"661\"><p class=\"\" data-start=\"607\" data-end=\"661\"><strong data-start=\"607\" data-end=\"640\">Emergency medical care abroad<\/strong> (<em data-start=\"642\" data-end=\"658\">at Dutch rates<\/em>)<\/p><\/li><li class=\"\" data-start=\"662\" data-end=\"690\"><p class=\"\" data-start=\"664\" data-end=\"690\"><em data-start=\"664\" data-end=\"688\">Limited maternity care<\/em><\/p><\/li><li class=\"\" data-start=\"691\" data-end=\"744\"><p class=\"\" data-start=\"693\" data-end=\"744\"><strong data-start=\"693\" data-end=\"710\">Physiotherapy<\/strong> (<em data-start=\"712\" data-end=\"741\">only for chronic conditions<\/em>)<\/p><\/li><li class=\"\" data-start=\"745\" data-end=\"776\"><p class=\"\" data-start=\"747\" data-end=\"776\"><strong data-start=\"747\" data-end=\"774\">Speech-language therapy<\/strong><\/p><\/li><li class=\"\" data-start=\"777\" data-end=\"805\"><p class=\"\" data-start=\"779\" data-end=\"805\"><strong data-start=\"779\" data-end=\"803\">Occupational therapy<\/strong><\/p><\/li><li class=\"\" data-start=\"806\" data-end=\"833\"><p class=\"\" data-start=\"808\" data-end=\"833\"><strong data-start=\"808\" data-end=\"831\">Ambulance transport<\/strong><\/p><\/li><li class=\"\" data-start=\"834\" data-end=\"872\"><p class=\"\" data-start=\"836\" data-end=\"872\"><strong data-start=\"836\" data-end=\"870\">Dietary and nutritional advice<\/strong><\/p><\/li><li class=\"\" data-start=\"873\" data-end=\"918\"><p class=\"\" data-start=\"875\" data-end=\"918\"><strong data-start=\"875\" data-end=\"890\">Dental care<\/strong> for <strong data-start=\"895\" data-end=\"916\">children under 18<\/strong><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba0aaa elementor-widget elementor-widget-spacer\" data-id=\"7ba0aaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83d9ae3 elementor-widget elementor-widget-text-editor\" data-id=\"83d9ae3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"314\">You can enhance your <strong data-start=\"941\" data-end=\"976\">basic health insurance coverage<\/strong> with <strong data-start=\"982\" data-end=\"1004\">supplemental plans<\/strong> that cover services such as:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed00596 elementor-widget elementor-widget-text-editor\" data-id=\"ed00596\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul data-start=\"1036\" data-end=\"1310\"><li class=\"\" data-start=\"1036\" data-end=\"1057\"><p class=\"\" data-start=\"1038\" data-end=\"1057\"><strong data-start=\"1038\" data-end=\"1055\">Physiotherapy<\/strong><\/p><\/li><li class=\"\" data-start=\"1058\" data-end=\"1154\"><p class=\"\" data-start=\"1060\" data-end=\"1154\"><strong data-start=\"1060\" data-end=\"1088\">Medical treatment abroad<\/strong> (<em data-start=\"1090\" data-end=\"1151\">for costs exceeding those covered by Dutch health insurance<\/em>)<\/p><\/li><li class=\"\" data-start=\"1155\" data-end=\"1179\"><p class=\"\" data-start=\"1157\" data-end=\"1179\"><strong data-start=\"1157\" data-end=\"1177\">Orthodontic care<\/strong><\/p><\/li><li class=\"\" data-start=\"1180\" data-end=\"1209\"><p class=\"\" data-start=\"1182\" data-end=\"1209\"><strong data-start=\"1182\" data-end=\"1207\">Alternative therapies<\/strong><\/p><\/li><li class=\"\" data-start=\"1210\" data-end=\"1247\"><p class=\"\" data-start=\"1212\" data-end=\"1247\"><strong data-start=\"1212\" data-end=\"1245\">Eyeglasses and contact lenses<\/strong><\/p><\/li><li class=\"\" data-start=\"1248\" data-end=\"1267\"><p class=\"\" data-start=\"1250\" data-end=\"1267\"><strong data-start=\"1250\" data-end=\"1265\">Dental care<\/strong><\/p><\/li><li class=\"\" data-start=\"1268\" data-end=\"1289\"><p class=\"\" data-start=\"1270\" data-end=\"1289\"><strong data-start=\"1270\" data-end=\"1287\">Contraception<\/strong><\/p><\/li><li class=\"\" data-start=\"1290\" data-end=\"1310\"><p class=\"\" data-start=\"1292\" data-end=\"1310\"><strong data-start=\"1292\" data-end=\"1308\">Vaccinations<\/strong><\/p><\/li><\/ul><p class=\"\" data-start=\"1312\" data-end=\"1484\">However, <strong data-start=\"1321\" data-end=\"1348\">insurers have the right<\/strong> to <strong data-start=\"1352\" data-end=\"1376\">decline applications<\/strong> for <strong data-start=\"1381\" data-end=\"1405\">additional insurance<\/strong>. They may also require <strong data-start=\"1429\" data-end=\"1451\">health information<\/strong> before <strong data-start=\"1459\" data-end=\"1481\">approving coverage<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd42108 elementor-widget elementor-widget-heading\" data-id=\"dd42108\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Get Health Insurance in the Netherland<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed15184 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ed15184\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Here is a <strong>step-by-step guide<\/strong> to getting health insurance in the Netherlands:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc4defe elementor-widget elementor-widget-image\" data-id=\"cc4defe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands-768x478.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands-300x187.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands-1024x637.webp 1024w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands.webp 1194w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands-768x478.png\" height=\"478\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands-768x478.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands-300x187.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands-1024x637.png 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/How-to-get-Health-Insurance-in-The-Netherlands.png 1194w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6886 sp-no-webp\" alt=\"Five-step infographic showing the process of getting Dutch health insurance for expats\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d610a72 elementor-widget elementor-widget-spacer\" data-id=\"d610a72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ed2fac elementor-widget elementor-widget-heading\" data-id=\"5ed2fac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 1: Prepare For Dutch Healthcare<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7f4175 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f7f4175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"278\">If you\u2019re <strong data-start=\"140\" data-end=\"179\">planning to move to the Netherlands<\/strong>, your first step is to ensure you have the <strong data-start=\"223\" data-end=\"248\">right health coverage<\/strong> <em data-start=\"249\" data-end=\"275\">even before your arrival<\/em>.<\/p><ul data-start=\"280\" data-end=\"837\" data-is-last-node=\"\" data-is-only-node=\"\"><li class=\"\" data-start=\"280\" data-end=\"595\"><p class=\"\" data-start=\"282\" data-end=\"595\">If you&#8217;re from the <strong data-start=\"301\" data-end=\"315\">EU\/EFTA\/UK<\/strong>: Check if your <strong data-start=\"331\" data-end=\"372\">EHIC (European Health Insurance Card)<\/strong> or <strong data-start=\"376\" data-end=\"415\">GHIC (Global Health Insurance Card)<\/strong> covers <em data-start=\"423\" data-end=\"445\">temporary healthcare<\/em> in the Netherlands. You may also need to complete an <strong data-start=\"499\" data-end=\"510\">S1 form<\/strong> through your <strong data-start=\"524\" data-end=\"550\">current health insurer<\/strong> to continue accessing <em data-start=\"573\" data-end=\"592\">healthcare abroad<\/em>.<\/p><\/li><li class=\"\" data-start=\"596\" data-end=\"837\"><p class=\"\" data-start=\"598\" data-end=\"837\">If you&#8217;re from a <strong data-start=\"615\" data-end=\"641\">non-EU\/EFTA\/UK country<\/strong>: You will need to purchase <strong data-start=\"669\" data-end=\"697\">private health insurance<\/strong> as part of your <strong data-start=\"714\" data-end=\"740\">Dutch visa application<\/strong>. This is <strong data-start=\"750\" data-end=\"762\">required<\/strong> to qualify for <strong data-start=\"778\" data-end=\"791\">residence<\/strong> and access <strong data-start=\"803\" data-end=\"836\">medical services upon arrival<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db0f4dd elementor-widget elementor-widget-spacer\" data-id=\"db0f4dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3cb061 elementor-widget elementor-widget-heading\" data-id=\"a3cb061\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 2: Register with the Municipality and Get a BSN Number<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54b62bb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"54b62bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"325\">Before you can <strong data-start=\"145\" data-end=\"175\">apply for health insurance<\/strong>, you must <strong data-start=\"186\" data-end=\"198\">register<\/strong> with your <strong data-start=\"209\" data-end=\"242\">local municipality (gemeente)<\/strong> and obtain a <strong data-start=\"256\" data-end=\"285\">BSN (Burgerservicenummer)<\/strong>, a <em data-start=\"289\" data-end=\"322\">personal citizen service number<\/em>.<\/p><p class=\"\" data-start=\"327\" data-end=\"362\">Here\u2019s how you can get a <strong data-start=\"352\" data-end=\"359\">BSN<\/strong>:<\/p><ol data-start=\"363\" data-end=\"964\"><li class=\"\" data-start=\"363\" data-end=\"674\"><p class=\"\" data-start=\"366\" data-end=\"674\"><strong data-start=\"366\" data-end=\"389\">Book an appointment<\/strong> at your <strong data-start=\"398\" data-end=\"423\">local gemeente office<\/strong>. Some municipalities require a <strong data-start=\"455\" data-end=\"484\">pre-scheduled appointment<\/strong> for <strong data-start=\"489\" data-end=\"505\">registration<\/strong>, which can take <em data-start=\"522\" data-end=\"537\">several weeks<\/em> and <em data-start=\"542\" data-end=\"562\">delay the issuance<\/em> of your <strong data-start=\"571\" data-end=\"585\" data-is-only-node=\"\">BSN number<\/strong>. To avoid any setbacks, we recommend <strong data-start=\"623\" data-end=\"671\">booking an appointment as soon as you arrive<\/strong>.<\/p><\/li><li class=\"\" data-start=\"675\" data-end=\"887\"><p class=\"\" data-start=\"678\" data-end=\"887\"><strong data-start=\"678\" data-end=\"710\">Bring the required documents<\/strong>. This includes your <strong data-start=\"731\" data-end=\"743\">passport<\/strong> and a <strong data-start=\"750\" data-end=\"777\">registered home address<\/strong>. <em data-start=\"779\" data-end=\"796\">Non-EU citizens<\/em> must also present a <strong data-start=\"817\" data-end=\"837\">residence permit<\/strong> and, if applicable, an <strong data-start=\"861\" data-end=\"884\">employment contract<\/strong>.<\/p><\/li><li class=\"\" data-start=\"888\" data-end=\"964\"><p class=\"\" data-start=\"891\" data-end=\"964\"><strong data-start=\"891\" data-end=\"918\">Receive your BSN number<\/strong> within <em data-start=\"926\" data-end=\"938\">a few days<\/em> after <strong data-start=\"945\" data-end=\"961\">registration.<\/strong><\/p><\/li><\/ol><p>Once you have <strong>completed this step<\/strong>, you can choose <strong>any insurance provider<\/strong>. By law, <strong>insurers cannot deny your application<\/strong>, even if you have <strong>pre-existing conditions<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e629381 elementor-widget elementor-widget-spacer\" data-id=\"e629381\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0c4a67 elementor-widget elementor-widget-heading\" data-id=\"d0c4a67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 3: Compare Health Insurance Providers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28a194b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"28a194b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"153\">The Netherlands has a <strong data-start=\"22\" data-end=\"59\">regulated health insurance market<\/strong>, meaning all <strong data-start=\"73\" data-end=\"122\">insurers must provide the same basic coverage<\/strong>, but they can set different:<\/p><ul data-start=\"154\" data-end=\"373\"><li class=\"\" data-start=\"154\" data-end=\"215\"><p class=\"\" data-start=\"156\" data-end=\"215\"><strong data-start=\"156\" data-end=\"176\">Monthly premiums<\/strong> (<em data-start=\"178\" data-end=\"212\">ranging from \u20ac130\u2013\u20ac160 per month<\/em>)<\/p><\/li><li class=\"\" data-start=\"216\" data-end=\"279\"><p class=\"\" data-start=\"218\" data-end=\"279\"><strong data-start=\"218\" data-end=\"237\">Service quality<\/strong> (<em data-start=\"239\" data-end=\"276\">customer support, claims processing<\/em>)<\/p><\/li><li class=\"\" data-start=\"280\" data-end=\"373\"><p class=\"\" data-start=\"282\" data-end=\"373\"><strong data-start=\"282\" data-end=\"316\">Preferred healthcare providers<\/strong> (<em data-start=\"318\" data-end=\"370\">some plans cover only contracted hospitals\/doctors<\/em>)<\/p><\/li><\/ul><p class=\"\" data-start=\"375\" data-end=\"457\">Make sure that you use <strong data-start=\"398\" data-end=\"433\">independent comparison websites<\/strong> like <a href=\"https:\/\/shorturl.at\/qRQ5l\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"439\" data-end=\"456\">zorgwijzer.nl<\/strong><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e2a9a5 elementor-widget elementor-widget-spacer\" data-id=\"5e2a9a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5a4ad elementor-widget elementor-widget-heading\" data-id=\"4b5a4ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 4: Choose Your Health Insurance Plan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf3aa10 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"bf3aa10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"191\">Once you&#8217;ve <strong data-start=\"142\" data-end=\"164\">compared providers<\/strong>, select a plan based on:<\/p><ul data-start=\"193\" data-end=\"1911\" data-is-last-node=\"\" data-is-only-node=\"\"><li class=\"\" data-start=\"193\" data-end=\"497\"><p class=\"\" data-start=\"195\" data-end=\"497\"><strong data-start=\"195\" data-end=\"212\">Premium Costs<\/strong>: <em data-start=\"214\" data-end=\"229\">Premiums vary<\/em> depending on the <strong data-start=\"247\" data-end=\"258\">insurer<\/strong> and level of <strong data-start=\"272\" data-end=\"284\" data-is-only-node=\"\">coverage<\/strong>. <em data-start=\"286\" data-end=\"315\">Compare different providers<\/em> to find a plan that balances <strong data-start=\"345\" data-end=\"362\">affordability<\/strong> with your <strong data-start=\"373\" data-end=\"393\">healthcare needs<\/strong>. <em data-start=\"395\" data-end=\"410\">Cheaper plans<\/em> may have <strong data-start=\"420\" data-end=\"436\">restrictions<\/strong> on healthcare providers or <strong data-start=\"464\" data-end=\"494\">higher out-of-pocket costs<\/strong>.<\/p><\/li><li class=\"\" data-start=\"499\" data-end=\"844\"><p class=\"\" data-start=\"501\" data-end=\"844\"><strong data-start=\"501\" data-end=\"537\">Deductible Amount (Eigen Risico)<\/strong>: The <strong data-start=\"543\" data-end=\"567\">mandatory deductible<\/strong> is <strong data-start=\"571\" data-end=\"579\">\u20ac385<\/strong>, but you can voluntarily increase this amount (<em data-start=\"627\" data-end=\"639\" data-is-only-node=\"\">up to \u20ac885<\/em>) to lower your <strong data-start=\"655\" data-end=\"674\">monthly premium<\/strong>. If you <em data-start=\"683\" data-end=\"706\">rarely visit a doctor<\/em>, opting for a <strong data-start=\"721\" data-end=\"742\">higher deductible<\/strong> could <em data-start=\"749\" data-end=\"765\">save you money<\/em>. If you have <strong data-start=\"779\" data-end=\"805\">frequent medical needs<\/strong>, a <strong data-start=\"809\" data-end=\"829\">lower deductible<\/strong> is <em data-start=\"833\" data-end=\"841\">better<\/em>.<\/p><\/li><li class=\"\" data-start=\"846\" data-end=\"982\"><p class=\"\" data-start=\"848\" data-end=\"982\"><strong data-start=\"848\" data-end=\"866\">Coverage Scope<\/strong>: Assess the <strong data-start=\"879\" data-end=\"909\">range of services included<\/strong>, such as <strong data-start=\"919\" data-end=\"949\">dental care, physiotherapy<\/strong> and <strong data-start=\"954\" data-end=\"979\" data-is-only-node=\"\">mental health support<\/strong>.<\/p><\/li><li class=\"\" data-start=\"984\" data-end=\"1499\"><p class=\"\" data-start=\"986\" data-end=\"1499\"><strong data-start=\"986\" data-end=\"1020\">Choice of Healthcare Providers<\/strong>: Some <strong data-start=\"1027\" data-end=\"1050\">insurance providers<\/strong> restrict your <strong data-start=\"1065\" data-end=\"1113\">choice of doctors, hospitals and specialists<\/strong>. If you want the <strong data-start=\"1131\" data-end=\"1146\" data-is-only-node=\"\">flexibility<\/strong> to choose most <strong data-start=\"1162\" data-end=\"1186\">healthcare providers<\/strong>, look for a plan that offers a <strong data-start=\"1218\" data-end=\"1258\">combination policy <\/strong><em>(combinatiepolis)<\/em>. Some healthcare services are covered directly <em>(natura)<\/em>, while others are <strong data-start=\"1341\" data-end=\"1371\">reimbursed<\/strong>.<\/p><\/li><\/ul><p class=\"\" style=\"padding-left: 80px\" data-start=\"986\" data-end=\"1499\"><em data-start=\"1377\" data-end=\"1497\">However, if you choose a non-contracted healthcare provider, you will only receive partial reimbursement for the bill.<\/em><\/p><ul data-start=\"193\" data-end=\"1911\" data-is-last-node=\"\" data-is-only-node=\"\"><li class=\"\" data-start=\"1501\" data-end=\"1911\"><p class=\"\" data-start=\"1503\" data-end=\"1911\"><strong data-start=\"1503\" data-end=\"1540\">English-Speaking Customer Support<\/strong>: For <strong data-start=\"1546\" data-end=\"1568\">non-Dutch speakers<\/strong>, look for <strong data-start=\"1579\" data-end=\"1616\">English-speaking customer support<\/strong>. Some <strong data-start=\"1623\" data-end=\"1635\" data-is-only-node=\"\">insurers<\/strong> provide <em data-start=\"1644\" data-end=\"1714\">full English language services, digital portals and policy documents<\/em>, while others may have <em data-start=\"1738\" data-end=\"1755\">limited support<\/em>. <strong data-start=\"1757\" data-end=\"1767\">Expats<\/strong> should check if their chosen <strong data-start=\"1797\" data-end=\"1808\">insurer<\/strong> offers <strong data-start=\"1816\" data-end=\"1847\">English-language assistance<\/strong> for <strong data-start=\"1852\" data-end=\"1880\">claims, customer service<\/strong> and <strong data-start=\"1885\" data-end=\"1910\">healthcare navigation<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3576250 elementor-widget elementor-widget-spacer\" data-id=\"3576250\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50be7a9 elementor-widget elementor-widget-heading\" data-id=\"50be7a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Step 5: Apply for Health Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6390d7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a6390d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"130\" data-end=\"290\">Once you\u2019ve <strong data-start=\"142\" data-end=\"174\">selected a provider and plan<\/strong>, you can <strong data-start=\"184\" data-end=\"200\">apply online<\/strong> via the <strong data-start=\"209\" data-end=\"230\">insurer\u2019s website<\/strong>. You need to present these <strong data-start=\"258\" data-end=\"271\">documents<\/strong> for application:<\/p><ul data-start=\"291\" data-end=\"447\"><li class=\"\" data-start=\"291\" data-end=\"327\"><p class=\"\" data-start=\"293\" data-end=\"327\"><strong data-start=\"293\" data-end=\"325\">BSN (citizen service number)<\/strong><\/p><\/li><li class=\"\" data-start=\"328\" data-end=\"381\"><p class=\"\" data-start=\"330\" data-end=\"381\"><strong data-start=\"330\" data-end=\"358\">Proof of Dutch residence<\/strong> or <strong data-start=\"362\" data-end=\"379\">work contract<\/strong><\/p><\/li><li class=\"\" data-start=\"382\" data-end=\"447\"><p class=\"\" data-start=\"384\" data-end=\"447\"><strong data-start=\"384\" data-end=\"415\">Bank account details (IBAN)<\/strong> for <strong data-start=\"420\" data-end=\"445\">direct debit payments<\/strong><\/p><\/li><\/ul><p class=\"\" style=\"padding-left: 40px\" data-start=\"449\" data-end=\"594\"><strong data-start=\"449\" data-end=\"461\">Approval<\/strong> is usually <em data-start=\"473\" data-end=\"482\">instant<\/em> or within <em data-start=\"493\" data-end=\"505\">a few days<\/em>. Once approved, you\u2019ll receive your <strong data-start=\"542\" data-end=\"570\">insurance card (zorgpas)<\/strong> and <strong data-start=\"575\" data-end=\"593\" data-is-only-node=\"\">policy details<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a458517 elementor-widget elementor-widget-spacer\" data-id=\"a458517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b2e2c6 elementor-widget elementor-widget-heading\" data-id=\"9b2e2c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comparing Health Insurance Plans: Best &amp; Cheapest Options<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7d52e5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f7d52e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"213\"><strong data-start=\"0\" data-end=\"39\">Choosing the right health insurance<\/strong> in the Netherlands depends on your <strong data-start=\"75\" data-end=\"93\" data-is-only-node=\"\">specific needs<\/strong>, <strong data-start=\"95\" data-end=\"105\">budget<\/strong>, and whether you prioritise <strong data-start=\"134\" data-end=\"160\">comprehensive coverage<\/strong>, <strong data-start=\"162\" data-end=\"179\">affordability<\/strong> or <strong data-start=\"183\" data-end=\"210\">expat-friendly services<\/strong>.<\/p><p class=\"\" data-start=\"215\" data-end=\"296\">Below, we compare the <strong data-start=\"237\" data-end=\"245\">best<\/strong> and <strong data-start=\"250\" data-end=\"295\">cheapest Dutch health insurance providers.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d1ef86 elementor-widget elementor-widget-heading\" data-id=\"2d1ef86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Best Dutch Health Insurance Providers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fddcf9a elementor-widget elementor-widget-image\" data-id=\"fddcf9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-768x478.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-300x187.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1024x637.webp 1024w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers.webp 1194w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-768x478.png\" height=\"478\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-768x478.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-300x187.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1024x637.png 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers.png 1194w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6887 sp-no-webp\" alt=\"Comparison table of the best Dutch health insurance providers with monthly costs as of May 2025\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95e7717 elementor-widget elementor-widget-heading\" data-id=\"95e7717\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cheapest Dutch Health Insurance Plans<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad1b1bb elementor-widget elementor-widget-image\" data-id=\"ad1b1bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1-768x478.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1-300x187.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1-1024x637.webp 1024w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1.webp 1194w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1-768x478.png\" height=\"478\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1-768x478.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1-300x187.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1-1024x637.png 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Best-Dutch-Health-Insurance-Providers-1.png 1194w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6888 sp-no-webp\" alt=\"Table comparing the cheapest Dutch health insurance providers and monthly costs as of May 2025\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ae265 elementor-widget elementor-widget-text-editor\" data-id=\"21ae265\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center\"><i>*These premiums are based on a higher eigen risico (\u20ac885 deductible), which lowers your monthly costs but increases out-of-pocket expenses when using healthcare services.<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0374a7a elementor-widget elementor-widget-spacer\" data-id=\"0374a7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e64851 elementor-widget elementor-widget-heading\" data-id=\"7e64851\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Verdict<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-454eed8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"454eed8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"213\">Given our <strong data-start=\"10\" data-end=\"42\">study of different providers<\/strong> based on <strong data-start=\"52\" data-end=\"64\">coverage<\/strong>, <strong data-start=\"66\" data-end=\"83\">affordability<\/strong> and <strong data-start=\"88\" data-end=\"124\">suitability for different groups<\/strong>, this is what we <strong data-start=\"142\" data-end=\"151\">found<\/strong>:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e331606 elementor-widget elementor-widget-heading\" data-id=\"e331606\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Best Overall Coverage: Zilveren Kruis<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc5527a elementor-widget elementor-widget-image\" data-id=\"cc5527a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis-768x438.png 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis-300x171.webp 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis-1024x584.png 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis-768x438.png\" height=\"438\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis-768x438.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis-300x171.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis-1024x584.png 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zilveren-Kruis.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6892 sp-no-webp\" alt=\"\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-258fcd0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"258fcd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"276\"><strong data-start=\"0\" data-end=\"18\">Zilveren Kruis<\/strong> offers one of the <strong data-start=\"37\" data-end=\"82\">most comprehensive health insurance plans<\/strong> in the Netherlands. It provides <strong data-start=\"115\" data-end=\"161\">extensive hospital and specialist coverage<\/strong>, <strong data-start=\"163\" data-end=\"198\" data-is-only-node=\"\">generous reimbursement policies<\/strong>, <strong data-start=\"200\" data-end=\"232\">personalised care assistance<\/strong>, and <strong data-start=\"238\" data-end=\"273\">excellent family-oriented plans<\/strong>.<\/p><p class=\"\" data-start=\"278\" data-end=\"405\">And during <strong data-start=\"289\" data-end=\"304\">emergencies<\/strong>, the provider also <strong data-start=\"324\" data-end=\"348\">fully reimburses you<\/strong> at <em data-start=\"352\" data-end=\"366\">any hospital<\/em>, no matter your <strong data-start=\"383\" data-end=\"402\">basic insurance<\/strong>.<\/p><p class=\"\" data-start=\"407\" data-end=\"861\">The <strong data-start=\"411\" data-end=\"441\">most comprehensive package<\/strong>\u2014<strong data-start=\"442\" data-end=\"461\">Basis Exclusief<\/strong>\u2014lets you <strong data-start=\"471\" data-end=\"501\">pick any hospital you want<\/strong>, with <strong data-start=\"508\" data-end=\"545\">reimbursement reaching up to 100%<\/strong> of the <strong data-start=\"553\" data-end=\"576\">current market rate<\/strong>. <em data-start=\"578\" data-end=\"637\">Most care providers will get reimbursed at that full rate<\/em>, but just a heads up: <strong data-start=\"660\" data-end=\"697\">non-contracted mental health care<\/strong> and <strong data-start=\"702\" data-end=\"722\">district nursing<\/strong> are reimbursed at <strong data-start=\"741\" data-end=\"779\">85% of the average contracted rate<\/strong>. If you go with a <strong data-start=\"798\" data-end=\"821\">contracted provider<\/strong>, you can enjoy <strong data-start=\"837\" data-end=\"858\">complete coverage<\/strong>.<\/p><p class=\"\" data-start=\"863\" data-end=\"992\">Additionally, it has <strong data-start=\"884\" data-end=\"901\">useful extras<\/strong> such as <strong data-start=\"910\" data-end=\"931\">flexible payments<\/strong>, the <strong data-start=\"937\" data-end=\"959\">Zilveren Kruis app<\/strong>, and <strong data-start=\"965\" data-end=\"991\">waiting list mediation<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8295e3 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a8295e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/shorturl.at\/VMglh\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Zilveren Kruis<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb31180 elementor-widget elementor-widget-spacer\" data-id=\"cb31180\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e902c6 elementor-widget elementor-widget-heading\" data-id=\"5e902c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Best for Expats: VGZ<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50852f3 elementor-widget elementor-widget-image\" data-id=\"50852f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ-768x438.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ-300x171.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ-1024x584.webp 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ-768x438.png\" height=\"438\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ-768x438.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ-300x171.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ-1024x584.png 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/VGZ.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6891 sp-no-webp\" alt=\"\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34ce6e5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"34ce6e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"335\"><strong data-start=\"0\" data-end=\"7\">VGZ<\/strong> stands out for its <strong data-start=\"27\" data-end=\"54\">expat-friendly services<\/strong>, including <strong data-start=\"66\" data-end=\"94\" data-is-only-node=\"\">English-language support<\/strong> and <strong data-start=\"99\" data-end=\"132\">streamlined digital processes<\/strong>. <strong data-start=\"134\" data-end=\"144\">Expats<\/strong> who are unfamiliar with the <strong data-start=\"173\" data-end=\"200\">Dutch healthcare system<\/strong> can benefit from the <strong data-start=\"222\" data-end=\"245\">clear communication<\/strong>, <strong data-start=\"247\" data-end=\"270\">easy claims process<\/strong>, and <strong data-start=\"276\" data-end=\"302\">extensive partnerships<\/strong> with <strong data-start=\"308\" data-end=\"332\">healthcare providers<\/strong>.<\/p><p class=\"\" data-start=\"337\" data-end=\"488\">While the <strong data-start=\"347\" data-end=\"358\">premium<\/strong> is <em data-start=\"362\" data-end=\"379\">slightly higher<\/em> than <strong data-start=\"385\" data-end=\"405\">budget providers<\/strong>, the <strong data-start=\"411\" data-end=\"432\">added convenience<\/strong> and <strong data-start=\"437\" data-end=\"457\">customer service<\/strong> make it <em data-start=\"466\" data-end=\"485\">worth considering<\/em>.<\/p><p class=\"\" data-start=\"490\" data-end=\"829\">Its <strong data-start=\"494\" data-end=\"513\">online platform<\/strong> and <strong data-start=\"518\" data-end=\"532\">mobile app<\/strong> offer <strong data-start=\"539\" data-end=\"558\">English support<\/strong>, making it easier for <strong data-start=\"581\" data-end=\"591\">expats<\/strong> to navigate <strong data-start=\"604\" data-end=\"622\">policy details<\/strong>, <strong data-start=\"624\" data-end=\"641\">submit claims<\/strong>, and <strong data-start=\"647\" data-end=\"663\">find doctors<\/strong> who accept their insurance. You can also <strong data-start=\"705\" data-end=\"725\">check wait times<\/strong> through the app. This allows you to choose the <strong data-start=\"773\" data-end=\"790\">most suitable<\/strong> and <strong data-start=\"795\" data-end=\"813\">immediate care<\/strong> for your needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47aebf4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"47aebf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/shorturl.at\/ukh6o\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get VGZ<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ee28ee elementor-widget elementor-widget-spacer\" data-id=\"4ee28ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-540f2cd elementor-widget elementor-widget-heading\" data-id=\"540f2cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Best for Group Health Insurance: Menzis<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37dc4fd elementor-widget elementor-widget-image\" data-id=\"37dc4fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis-768x438.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis-300x171.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis-1024x584.webp 1024w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis.webp 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis-768x438.png\" height=\"438\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis-768x438.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis-300x171.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis-1024x584.png 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Menzis.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6890 sp-no-webp\" alt=\"\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70c4832 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"70c4832\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"211\">If you are looking for <strong data-start=\"23\" data-end=\"49\">group health insurance<\/strong>, <strong data-start=\"51\" data-end=\"61\">Menzis<\/strong> is your <strong data-start=\"70\" data-end=\"82\">best bet<\/strong>. It is a <strong data-start=\"92\" data-end=\"108\">great choice<\/strong> for <strong data-start=\"113\" data-end=\"159\">businesses, organisations and associations<\/strong> looking to <strong data-start=\"171\" data-end=\"208\">insure their employees or members<\/strong>.<\/p><p class=\"\" data-start=\"213\" data-end=\"361\"><strong data-start=\"213\" data-end=\"235\">Group health plans<\/strong> often come with <strong data-start=\"252\" data-end=\"270\">lower premiums<\/strong>, <strong data-start=\"272\" data-end=\"290\">added benefits<\/strong>, and <strong data-start=\"296\" data-end=\"317\">wellness programs<\/strong> to support <strong data-start=\"329\" data-end=\"358\" data-is-only-node=\"\">employees&#8217; overall health<\/strong>.<\/p><p class=\"\" data-start=\"363\" data-end=\"602\">Opting for <strong data-start=\"374\" data-end=\"407\">Menzis group health insurance<\/strong> through your <strong data-start=\"421\" data-end=\"433\">employer<\/strong> not only provides a <strong data-start=\"454\" data-end=\"502\">discount on supplementary (dental) insurance<\/strong> but also grants access to <strong data-start=\"529\" data-end=\"549\">additional perks<\/strong> that support a <strong data-start=\"565\" data-end=\"588\">healthier lifestyle<\/strong>, including:<\/p><ul data-start=\"603\" data-end=\"789\"><li class=\"\" data-start=\"603\" data-end=\"642\"><p class=\"\" data-start=\"605\" data-end=\"642\"><em data-start=\"605\" data-end=\"640\">Discounts on eyewear or a bicycle<\/em><\/p><\/li><li class=\"\" data-start=\"643\" data-end=\"677\"><p class=\"\" data-start=\"645\" data-end=\"677\"><em data-start=\"645\" data-end=\"675\">A personal health assessment<\/em><\/p><\/li><li class=\"\" data-start=\"678\" data-end=\"756\"><p class=\"\" data-start=\"680\" data-end=\"756\"><em data-start=\"680\" data-end=\"754\">Consultations with a mental coach, budget coach, or menopause consultant<\/em><\/p><\/li><li class=\"\" data-start=\"757\" data-end=\"789\"><p class=\"\" data-start=\"759\" data-end=\"789\"><em data-start=\"759\" data-end=\"787\">A sleep analysis, and more<\/em><\/p><\/li><\/ul><p class=\"\" data-start=\"791\" data-end=\"895\">As a <strong data-start=\"796\" data-end=\"812\">group member<\/strong>, you also get a <strong data-start=\"829\" data-end=\"856\">discount on the premium<\/strong> for <strong data-start=\"861\" data-end=\"894\">additional (dental) insurance<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4972eff elementor-widget elementor-widget-spacer\" data-id=\"4972eff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab39ef8 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ab39ef8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/shorturl.at\/L0nv6\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Menzis<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-207a425 elementor-widget elementor-widget-heading\" data-id=\"207a425\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Best Budget Option: Univ\u00e9 and United Consumers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be69838 elementor-widget elementor-widget-image\" data-id=\"be69838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers-768x438.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers-300x171.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers-1024x584.webp 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers-768x438.png\" height=\"438\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers-768x438.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers-300x171.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers-1024x584.png 1024w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/United-Consumers.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6893 sp-no-webp\" alt=\"Logos of Univ\u00e9 and United Consumers with a Citylifer\u2019s Choice badge\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b505391 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b505391\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"319\">For those looking to <strong data-start=\"21\" data-end=\"55\">minimise their monthly premium<\/strong>, <strong data-start=\"57\" data-end=\"66\">Univ\u00e9<\/strong> and <strong data-start=\"71\" data-end=\"97\">United Consumers<\/strong>\u00a0offer the <strong data-start=\"108\" data-end=\"139\">most affordable basic plans<\/strong>. These plans come with a <strong data-start=\"165\" data-end=\"206\">higher eigen risico (\u20ac885 deductible)<\/strong>, which means <strong data-start=\"220\" data-end=\"243\">lower monthly costs<\/strong> but <strong data-start=\"248\" data-end=\"281\">higher out-of-pocket expenses<\/strong> when using <strong data-start=\"293\" data-end=\"316\">healthcare services<\/strong>.<\/p><p class=\"\" data-start=\"321\" data-end=\"467\">This makes them <em data-start=\"337\" data-end=\"344\">ideal<\/em> for <strong data-start=\"349\" data-end=\"372\">healthy individuals<\/strong> who do not anticipate needing <strong data-start=\"403\" data-end=\"428\">frequent medical care<\/strong> but want <strong data-start=\"438\" data-end=\"466\">coverage for emergencies<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6b3f49 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a6b3f49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/www.unive.nl\/zorgverzekering\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Unive<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-816a3ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"816a3ff\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8368cb9\" data-id=\"8368cb9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1c33e9 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d1c33e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/rb.gy\/dfg7lp\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get United Consumers<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-515b7a6 elementor-widget elementor-widget-heading\" data-id=\"515b7a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Understanding Health Insurance Costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d43e516 elementor-widget elementor-widget-text-editor\" data-id=\"d43e516\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It can get <em data-start=\"11\" data-end=\"32\">easily overwhelming<\/em> when you\u2019re trying to <strong data-start=\"55\" data-end=\"103\">understand the Dutch health insurance system<\/strong>, especially with the <strong data-start=\"125\" data-end=\"143\">costs involved<\/strong>. We\u2019ll break down the <strong data-start=\"166\" data-end=\"184\">key components<\/strong> of <strong data-start=\"188\" data-end=\"217\">health insurance expenses<\/strong> in the Netherlands, giving you a <strong data-start=\"251\" data-end=\"270\">clearer picture<\/strong> of <em data-start=\"274\" data-end=\"290\">what to expect<\/em>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49cbf69 elementor-widget elementor-widget-image\" data-id=\"49cbf69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Euros-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Euros-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Euros.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Euros-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Euros-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Euros-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Euros.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6904 sp-no-webp\" alt=\"Euro bills on a calculator and keyboard representing budgeting and insurance costs\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b06934 elementor-widget elementor-widget-heading\" data-id=\"7b06934\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How Much is Dutch Health Insurance Per Month?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e15ef5 elementor-widget elementor-widget-text-editor\" data-id=\"4e15ef5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <strong data-start=\"4\" data-end=\"32\">cost of health insurance<\/strong> in the Netherlands consists of <strong data-start=\"64\" data-end=\"82\">two main parts<\/strong>: the <strong data-start=\"88\" data-end=\"105\">basic premium<\/strong> and any <strong data-start=\"114\" data-end=\"137\">additional coverage<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e538302 elementor-widget elementor-widget-text-editor\" data-id=\"e538302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">Basic Premium<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6db7e66 elementor-widget elementor-widget-text-editor\" data-id=\"6db7e66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"0\" data-end=\"88\"><p class=\"\" data-start=\"2\" data-end=\"88\">The <strong data-start=\"6\" data-end=\"22\">average cost<\/strong> for a <strong data-start=\"29\" data-end=\"60\">basic health insurance plan<\/strong> is <a href=\"https:\/\/www.dutchnews.nl\/2024\/11\/healthcare-payments-to-rise-by-around-e11-per-month-in-2025\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"64\" data-end=\"85\">\u20ac158.72 per month<\/strong><\/a>.<\/p><\/li><li class=\"\" data-start=\"89\" data-end=\"254\"><p class=\"\" data-start=\"91\" data-end=\"254\">This covers <strong data-start=\"103\" data-end=\"135\">standard healthcare services<\/strong>, including <em data-start=\"147\" data-end=\"186\">visits to general practitioners (GPs)<\/em>, <em data-start=\"188\" data-end=\"204\">hospital stays<\/em>, <em data-start=\"206\" data-end=\"222\">emergency care<\/em> and <em data-start=\"227\" data-end=\"251\">prescribed medications<\/em>.<\/p><\/li><li class=\"\" data-start=\"255\" data-end=\"369\"><p class=\"\" data-start=\"257\" data-end=\"369\">Every <strong data-start=\"263\" data-end=\"274\">insurer<\/strong> offers a <em data-start=\"284\" data-end=\"307\">similar basic package<\/em>, as <strong data-start=\"312\" data-end=\"331\">required by law<\/strong>, but <strong data-start=\"337\" data-end=\"357\">monthly premiums<\/strong> can <em data-start=\"362\" data-end=\"368\">vary<\/em>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1958e0a elementor-widget elementor-widget-text-editor\" data-id=\"1958e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">Additional Coverage (Aanvullende verzekering)<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f07db5e elementor-widget elementor-widget-text-editor\" data-id=\"f07db5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"\" data-start=\"0\" data-end=\"209\"><p class=\"\" data-start=\"2\" data-end=\"209\">If you require <strong data-start=\"17\" data-end=\"35\">extra coverage<\/strong> beyond the <strong data-start=\"47\" data-end=\"61\">basic plan<\/strong>, such as <strong data-start=\"71\" data-end=\"123\">dental care, physiotherapy, alternative medicine<\/strong> or <strong data-start=\"127\" data-end=\"161\">extended mental health support<\/strong>, you can opt for <strong data-start=\"179\" data-end=\"206\">supplementary insurance<\/strong>.<\/p><\/li><li class=\"\" data-start=\"210\" data-end=\"348\"><p class=\"\" data-start=\"212\" data-end=\"348\">The <strong data-start=\"216\" data-end=\"247\">cost of additional coverage<\/strong> ranges from <strong data-start=\"260\" data-end=\"284\">\u20ac10 to \u20ac50 per month<\/strong>, depending on the <strong data-start=\"303\" data-end=\"315\">provider<\/strong> and the <strong data-start=\"324\" data-end=\"345\">services included<\/strong>.<\/p><\/li><li class=\"\" data-start=\"349\" data-end=\"468\"><p class=\"\" data-start=\"351\" data-end=\"468\">Unlike the <strong data-start=\"362\" data-end=\"376\">basic plan<\/strong>, <strong data-start=\"378\" data-end=\"408\">insurers are not obligated<\/strong> to accept <em data-start=\"419\" data-end=\"435\">all applicants<\/em> for <strong data-start=\"440\" data-end=\"467\">supplementary insurance<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cce6630 elementor-widget elementor-widget-heading\" data-id=\"cce6630\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How Much is Dutch Health Insurance Per Month?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfa46ed elementor-widget elementor-widget-text-editor\" data-id=\"bfa46ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <strong data-start=\"4\" data-end=\"32\">cost of health insurance<\/strong> in the Netherlands consists of <strong data-start=\"64\" data-end=\"82\">two main parts<\/strong>: the <strong data-start=\"88\" data-end=\"105\">basic premium<\/strong> and any <strong data-start=\"114\" data-end=\"137\">additional coverage<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ade17d elementor-widget elementor-widget-heading\" data-id=\"1ade17d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Eigen Risico (Deductible): How Does it Work?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91faf49 elementor-widget elementor-widget-text-editor\" data-id=\"91faf49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"192\">Sometimes referred to as <em data-start=\"25\" data-end=\"37\">&#8216;own risk&#8217;<\/em>, <strong data-start=\"39\" data-end=\"55\">eigen risico<\/strong> is the amount you must pay <strong data-start=\"83\" data-end=\"100\">out-of-pocket<\/strong> for <strong data-start=\"105\" data-end=\"125\">healthcare costs<\/strong> before your <strong data-start=\"138\" data-end=\"160\">insurance provider<\/strong> starts <strong data-start=\"168\" data-end=\"189\">covering expenses<\/strong>.<\/p><p class=\"\" data-start=\"194\" data-end=\"473\">The <strong data-start=\"198\" data-end=\"223\">standard eigen risico<\/strong> is <strong data-start=\"227\" data-end=\"244\">\u20ac385 per year<\/strong>. This means that you are responsible for paying the <strong data-start=\"297\" data-end=\"311\">first \u20ac385<\/strong> of your <strong data-start=\"320\" data-end=\"340\">medical expenses<\/strong> each year. Once you&#8217;ve reached this <strong data-start=\"377\" data-end=\"390\">threshold<\/strong>, your <strong data-start=\"397\" data-end=\"410\">insurance<\/strong> will cover the <strong data-start=\"426\" data-end=\"445\">remaining costs<\/strong> for <strong data-start=\"450\" data-end=\"470\">covered services<\/strong>.<\/p><p class=\"\" data-start=\"475\" data-end=\"778\">You have the option to choose a <strong data-start=\"507\" data-end=\"530\">higher eigen risico<\/strong>, up to a <strong data-start=\"540\" data-end=\"559\">maximum of \u20ac885<\/strong>. Opting for a <strong data-start=\"574\" data-end=\"595\">higher deductible<\/strong> can significantly <strong data-start=\"614\" data-end=\"645\">lower your monthly premiums<\/strong>. This can be a <em data-start=\"661\" data-end=\"676\">good strategy<\/em> for individuals who are <em data-start=\"701\" data-end=\"720\">generally healthy<\/em> and don&#8217;t anticipate needing <strong data-start=\"750\" data-end=\"775\">frequent medical care<\/strong>.<\/p><p class=\"\" data-start=\"780\" data-end=\"1047\">However, you should <em data-start=\"800\" data-end=\"820\">carefully consider<\/em> your <strong data-start=\"826\" data-end=\"849\">financial situation<\/strong> and <strong data-start=\"854\" data-end=\"884\">potential healthcare needs<\/strong> before opting for a <strong data-start=\"905\" data-end=\"926\">higher deductible<\/strong>. If you do require <strong data-start=\"946\" data-end=\"971\">frequent medical care<\/strong>, a <strong data-start=\"975\" data-end=\"996\">higher deductible<\/strong> could result in <strong data-start=\"1013\" data-end=\"1046\">bigger out-of-pocket expenses<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-851148f elementor-widget elementor-widget-image\" data-id=\"851148f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Fysiomondzorg-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Fysiomondzorg-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Fysiomondzorg.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Fysiomondzorg-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Fysiomondzorg-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Fysiomondzorg-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Fysiomondzorg.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6896 sp-no-webp\" alt=\"Split image of a dental office and a physiotherapist assisting a patient\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fe81ba elementor-widget elementor-widget-text-editor\" data-id=\"1fe81ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">When does your health insurance deductible apply?<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c554e7 elementor-widget elementor-widget-text-editor\" data-id=\"5c554e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"154\">You&#8217;ll need to pay your <strong data-start=\"24\" data-end=\"53\">deductible (eigen risico)<\/strong> only when you incur <strong data-start=\"74\" data-end=\"122\">costs covered by your basic health insurance<\/strong>. This includes expenses like:<\/p><ul data-start=\"155\" data-end=\"449\" data-is-last-node=\"\" data-is-only-node=\"\"><li class=\"\" data-start=\"155\" data-end=\"220\"><p class=\"\" data-start=\"157\" data-end=\"220\"><strong data-start=\"157\" data-end=\"180\">Hospital treatments<\/strong>, <em data-start=\"182\" data-end=\"192\" data-is-only-node=\"\">checkups<\/em> and <strong data-start=\"197\" data-end=\"218\">specialist visits<\/strong><\/p><\/li><li class=\"\" data-start=\"221\" data-end=\"276\"><p class=\"\" data-start=\"223\" data-end=\"276\"><strong data-start=\"223\" data-end=\"251\">Prescription blood tests<\/strong> and other <strong data-start=\"262\" data-end=\"274\" data-is-only-node=\"\">lab work<\/strong><\/p><\/li><li class=\"\" data-start=\"277\" data-end=\"309\"><p class=\"\" data-start=\"279\" data-end=\"309\"><strong data-start=\"279\" data-end=\"307\">Prescription medications<\/strong><\/p><\/li><li class=\"\" data-start=\"310\" data-end=\"363\"><p class=\"\" data-start=\"312\" data-end=\"363\"><strong data-start=\"312\" data-end=\"338\">Emergency medical care<\/strong> and <strong data-start=\"343\" data-end=\"361\" data-is-only-node=\"\">transportation<\/strong><\/p><\/li><li class=\"\" data-start=\"364\" data-end=\"449\"><p class=\"\" data-start=\"366\" data-end=\"449\"><strong data-start=\"366\" data-end=\"387\">Mental healthcare<\/strong> from a <em data-start=\"395\" data-end=\"423\" data-is-only-node=\"\">psychologist, psychiatrist<\/em> or <em data-start=\"427\" data-end=\"449\" data-is-last-node=\"\">mental health clinic<\/em><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc086c2 elementor-widget elementor-widget-text-editor\" data-id=\"dc086c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">When is the deductible not required?<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d388bd elementor-widget elementor-widget-text-editor\" data-id=\"7d388bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"85\">You won&#8217;t have to pay the <strong data-start=\"26\" data-end=\"40\">deductible<\/strong> for certain <strong data-start=\"53\" data-end=\"73\">medical expenses<\/strong>, such as:<\/p><ul data-start=\"86\" data-end=\"409\" data-is-last-node=\"\" data-is-only-node=\"\"><li class=\"\" data-start=\"86\" data-end=\"182\"><p class=\"\" data-start=\"88\" data-end=\"182\"><strong data-start=\"88\" data-end=\"120\">Consultations and treatments<\/strong> from your <strong data-start=\"131\" data-end=\"153\" data-is-only-node=\"\">family doctor (GP)<\/strong> or <em data-start=\"157\" data-end=\"180\">within their practice<\/em><\/p><\/li><li class=\"\" data-start=\"183\" data-end=\"246\"><p class=\"\" data-start=\"185\" data-end=\"246\"><strong data-start=\"185\" data-end=\"209\">Emergency treatments<\/strong> at the <strong data-start=\"217\" data-end=\"244\" data-is-only-node=\"\">GP out-of-hours service<\/strong><\/p><\/li><li class=\"\" data-start=\"247\" data-end=\"276\"><p class=\"\" data-start=\"249\" data-end=\"276\"><strong data-start=\"249\" data-end=\"274\">District nursing care<\/strong><\/p><\/li><li class=\"\" data-start=\"277\" data-end=\"313\"><p class=\"\" data-start=\"279\" data-end=\"313\"><strong data-start=\"279\" data-end=\"311\">Obstetric and maternity care<\/strong><\/p><\/li><li class=\"\" data-start=\"314\" data-end=\"341\"><p class=\"\" data-start=\"316\" data-end=\"341\"><em data-start=\"316\" data-end=\"339\">Specific medical aids<\/em><\/p><\/li><li class=\"\" data-start=\"342\" data-end=\"409\"><p class=\"\" data-start=\"344\" data-end=\"409\"><strong data-start=\"344\" data-end=\"358\">Healthcare<\/strong> covered by your <strong data-start=\"375\" data-end=\"409\" data-is-last-node=\"\" data-is-only-node=\"\">supplemental insurance package<\/strong><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdd12d8 elementor-widget elementor-widget-image\" data-id=\"cdd12d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Frame-18-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Frame-18-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Frame-18.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Frame-18-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Frame-18-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Frame-18-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Frame-18.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6897 sp-no-webp\" alt=\"Split image showing an ultrasound scan and a doctor checking a patient&#039;s blood pressure\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-624e82e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"624e82e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b11780\" data-id=\"3b11780\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-439a38d elementor-widget elementor-widget-spacer\" data-id=\"439a38d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5044a2b elementor-widget elementor-widget-heading\" data-id=\"5044a2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dutch Healthcare Benefits and Zorgtoeslag<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8813240 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8813240\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"220\">The <strong data-start=\"4\" data-end=\"31\">Dutch healthcare system<\/strong> ensures that all <strong data-start=\"49\" data-end=\"62\">residents<\/strong> have access to <strong data-start=\"78\" data-end=\"107\">high-quality medical care<\/strong>. However, <strong data-start=\"118\" data-end=\"144\">health insurance costs<\/strong> can be a <em data-start=\"154\" data-end=\"172\">financial burden<\/em>, especially for those with <strong data-start=\"200\" data-end=\"217\">lower incomes<\/strong>.<\/p><p class=\"\" data-start=\"222\" data-end=\"325\">To help with this, the <strong data-start=\"245\" data-end=\"265\">Dutch government<\/strong> provides a <strong data-start=\"277\" data-end=\"301\">healthcare allowance<\/strong> called <strong data-start=\"309\" data-end=\"324\">Zorgtoeslag<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf73bf3 elementor-widget elementor-widget-image\" data-id=\"bf73bf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Zorgtoeslag.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6910 sp-no-webp\" alt=\"Dutch Belastingdienst envelope labeled \u201cToeslagen\u201d with euro banknotes inside\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d17933 elementor-widget elementor-widget-heading\" data-id=\"6d17933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is Zorgtoeslag?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9341d6e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9341d6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"310\"><strong data-start=\"0\" data-end=\"15\">Zorgtoeslag<\/strong> is a <strong data-start=\"21\" data-end=\"45\" data-is-only-node=\"\">healthcare allowance<\/strong> from the <strong data-start=\"55\" data-end=\"75\">Dutch government<\/strong> that helps <strong data-start=\"87\" data-end=\"113\">lower-income residents<\/strong> pay for their <strong data-start=\"128\" data-end=\"158\">mandatory health insurance<\/strong>. The amount you receive depends on your <strong data-start=\"199\" data-end=\"209\">income<\/strong>, <strong data-start=\"211\" data-end=\"234\">household situation<\/strong>, and other <strong data-start=\"246\" data-end=\"257\">factors<\/strong>, with <em data-start=\"264\" data-end=\"307\">more support given to those who earn less. <\/em>This ensures <strong data-start=\"325\" data-end=\"356\">healthcare stays affordable<\/strong> for those who <em data-start=\"371\" data-end=\"385\">need it most<\/em>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02bfe3c elementor-widget elementor-widget-heading\" data-id=\"02bfe3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Who is Eligible for Zorgtoeslag?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a6488a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3a6488a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"116\">To qualify for the <strong data-start=\"19\" data-end=\"49\">Dutch healthcare allowance<\/strong>, you (<em data-start=\"56\" data-end=\"81\">and your fiscal partner<\/em>) must meet these <strong data-start=\"99\" data-end=\"113\">conditions<\/strong>:<\/p><ul data-start=\"117\" data-end=\"396\" data-is-last-node=\"\" data-is-only-node=\"\"><li class=\"\" data-start=\"117\" data-end=\"155\"><p class=\"\" data-start=\"119\" data-end=\"155\">You are at least <strong data-start=\"136\" data-end=\"152\">18 years old<\/strong>.<\/p><\/li><li class=\"\" data-start=\"156\" data-end=\"196\"><p class=\"\" data-start=\"158\" data-end=\"196\">You have <strong data-start=\"167\" data-end=\"193\">Dutch health insurance<\/strong>.<\/p><\/li><li class=\"\" data-start=\"197\" data-end=\"283\"><p class=\"\" data-start=\"199\" data-end=\"283\">You hold an <strong data-start=\"211\" data-end=\"229\">EU nationality<\/strong>, a valid <strong data-start=\"239\" data-end=\"259\">residence permit<\/strong> or a <strong data-start=\"265\" data-end=\"280\">work permit<\/strong>.<\/p><\/li><li class=\"\" data-start=\"284\" data-end=\"341\"><p class=\"\" data-start=\"286\" data-end=\"341\">Your <strong data-start=\"291\" data-end=\"301\">income<\/strong> is below the <strong data-start=\"315\" data-end=\"338\">specified threshold<\/strong>.<\/p><\/li><li class=\"\" data-start=\"342\" data-end=\"396\"><p class=\"\" data-start=\"344\" data-end=\"396\">Your <strong data-start=\"349\" data-end=\"359\">assets<\/strong> do not exceed the <strong data-start=\"378\" data-end=\"395\">allowed limit<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ece381 elementor-widget elementor-widget-text-editor\" data-id=\"7ece381\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\"><b>Income Requirements for Zorgtoeslag<\/b><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0934db6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0934db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"198\">For most <strong data-start=\"9\" data-end=\"19\">expats<\/strong>, <strong data-start=\"21\" data-end=\"61\">eligibility for healthcare allowance<\/strong> depends on <strong data-start=\"73\" data-end=\"83\">income<\/strong>. The <strong data-start=\"89\" data-end=\"114\">Dutch tax authorities<\/strong> differentiate between <strong data-start=\"137\" data-end=\"159\">single individuals<\/strong> and those with a <strong data-start=\"177\" data-end=\"195\">fiscal partner<\/strong>:<\/p><ul data-start=\"200\" data-end=\"388\"><li class=\"\" data-start=\"200\" data-end=\"291\"><p class=\"\" data-start=\"202\" data-end=\"291\"><strong data-start=\"202\" data-end=\"223\">No fiscal partner<\/strong>: Your <strong data-start=\"230\" data-end=\"253\">gross annual income<\/strong> must not exceed <strong data-start=\"270\" data-end=\"288\" data-is-only-node=\"\">\u20ac39,719 (2025)<\/strong>.<\/p><\/li><li class=\"\" data-start=\"292\" data-end=\"388\"><p class=\"\" data-start=\"294\" data-end=\"388\"><strong data-start=\"294\" data-end=\"317\">With fiscal partner<\/strong>: Your <strong data-start=\"324\" data-end=\"350\">combined annual income<\/strong> must not exceed <strong data-start=\"367\" data-end=\"385\" data-is-only-node=\"\">\u20ac50,206 (2025)<\/strong>.<\/p><\/li><\/ul><p class=\"\" data-start=\"390\" data-end=\"554\">Additionally, <strong data-start=\"404\" data-end=\"420\">asset limits<\/strong> apply. In <strong data-start=\"431\" data-end=\"439\">2025<\/strong>, the <a href=\"https:\/\/www.belastingdienst.nl\/wps\/wcm\/connect\/nl\/zorgtoeslag\/content\/kan-ik-zorgtoeslag-krijgen\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"445\" data-end=\"473\">maximum allowable assets<\/strong><\/a> are <strong data-start=\"478\" data-end=\"490\">\u20ac141,896<\/strong> for <strong data-start=\"495\" data-end=\"510\">individuals<\/strong> and <strong data-start=\"515\" data-end=\"527\">\u20ac179,429<\/strong> for <strong data-start=\"532\" data-end=\"553\">partners combined<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9167bc3 elementor-widget elementor-widget-heading\" data-id=\"9167bc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How Much Allowance Can You Receive?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81d83f7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"81d83f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"123\">The amount of <strong data-start=\"14\" data-end=\"29\">zorgtoeslag<\/strong> you receive depends on your <strong data-start=\"58\" data-end=\"68\">income<\/strong>\u2014the <em data-start=\"73\" data-end=\"93\">higher your salary<\/em>, the <em data-start=\"99\" data-end=\"120\">lower the allowance<\/em>.<\/p><p class=\"\" data-start=\"125\" data-end=\"368\">To check if you&#8217;re <strong data-start=\"144\" data-end=\"176\">eligible for monthly support<\/strong>, visit the <a href=\"https:\/\/www.belastingdienst.nl\/wps\/wcm\/connect\/bldcontenten\/belastingdienst\/individuals\/benefits\/moving_to_the_netherlands\/i_have_dutch_healthcare_insurance\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"188\" data-end=\"236\">Dutch tax office\u2019s healthcare allowance page<\/strong><\/a>. You can also use the <strong data-start=\"259\" data-end=\"301\">Belastingdienst <a href=\"https:\/\/www.belastingdienst.nl\/wps\/wcm\/connect\/nl\/toeslagen\/content\/hulpmiddel-proefberekening-toeslagen\" target=\"_blank\" rel=\"noopener\">trial calculation tool<\/a><\/strong> to <strong data-start=\"305\" data-end=\"332\">estimate your allowance<\/strong> based on your <strong data-start=\"347\" data-end=\"367\">personal details<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a14cf4b elementor-widget elementor-widget-heading\" data-id=\"a14cf4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to Apply for Zorgtoeslag<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77d83fc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"77d83fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"135\"><strong data-start=\"0\" data-end=\"28\">Applying for Zorgtoeslag<\/strong> is a <em data-start=\"34\" data-end=\"50\">simple process<\/em> that can be done <strong data-start=\"68\" data-end=\"78\">online<\/strong> through the <strong data-start=\"91\" data-end=\"132\">Dutch tax authority (Belastingdienst)<\/strong>. Follow these steps:<\/p><p class=\"\" data-start=\"168\" data-end=\"203\"><strong data-start=\"168\" data-end=\"201\">1. Log In To <a href=\"https:\/\/gtmt.toeslagen.nl\/tmx-aik-web\/inloggen?flowId=tUILdoXdLX\" target=\"_blank\" rel=\"noopener\">MijnToeslagen.nl<\/a><\/strong><\/p><ul data-start=\"204\" data-end=\"384\"><li class=\"\" data-start=\"204\" data-end=\"288\"><p class=\"\" data-start=\"206\" data-end=\"288\">Visit the <strong data-start=\"216\" data-end=\"236\">official website<\/strong> of the <strong data-start=\"244\" data-end=\"285\">Belastingdienst (Dutch Tax Authority)<\/strong>.<\/p><\/li><li class=\"\" data-start=\"289\" data-end=\"384\"><p class=\"\" data-start=\"291\" data-end=\"384\">Log in using your <strong data-start=\"309\" data-end=\"318\">DigiD<\/strong> (<em data-start=\"320\" data-end=\"380\">a secure digital identification system for Dutch residents<\/em>).<\/p><\/li><\/ul><p class=\"\" data-start=\"386\" data-end=\"436\"><strong data-start=\"386\" data-end=\"434\">2. Enter Your Personal and Financial Details<\/strong><\/p><ul data-start=\"437\" data-end=\"586\"><li class=\"\" data-start=\"437\" data-end=\"521\"><p class=\"\" data-start=\"439\" data-end=\"521\">Provide your <strong data-start=\"452\" data-end=\"470\">income details<\/strong> from <em data-start=\"476\" data-end=\"499\">employment, benefits,<\/em> or <em data-start=\"503\" data-end=\"518\">other sources<\/em>.<\/p><\/li><li class=\"\" data-start=\"522\" data-end=\"586\"><p class=\"\" data-start=\"524\" data-end=\"586\">If applicable, include your <strong data-start=\"552\" data-end=\"583\">partner\u2019s financial details<\/strong>.<\/p><\/li><\/ul><p class=\"\" data-start=\"588\" data-end=\"620\"><strong data-start=\"588\" data-end=\"618\">3. Submit Your Application<\/strong><\/p><ul data-start=\"621\" data-end=\"778\"><li class=\"\" data-start=\"621\" data-end=\"681\"><p class=\"\" data-start=\"623\" data-end=\"681\">Review your <strong data-start=\"635\" data-end=\"650\">information<\/strong> and <strong data-start=\"655\" data-end=\"678\">submit your request<\/strong>.<\/p><\/li><li class=\"\" data-start=\"682\" data-end=\"778\"><p class=\"\" data-start=\"684\" data-end=\"778\">The <strong data-start=\"688\" data-end=\"707\">Belastingdienst<\/strong> will assess your <strong data-start=\"725\" data-end=\"740\">eligibility<\/strong> based on your <strong data-start=\"755\" data-end=\"775\">provided details<\/strong>.<\/p><\/li><\/ul><p class=\"\" data-start=\"780\" data-end=\"827\"><strong data-start=\"780\" data-end=\"825\">4. Receive Monthly Payments (if approved)<\/strong><\/p><ul data-start=\"828\" data-end=\"1028\" data-is-last-node=\"\" data-is-only-node=\"\"><li class=\"\" data-start=\"828\" data-end=\"941\"><p class=\"\" data-start=\"830\" data-end=\"941\">If your <strong data-start=\"838\" data-end=\"867\">application is successful<\/strong>, the <strong data-start=\"873\" data-end=\"886\">allowance<\/strong> is <strong data-start=\"890\" data-end=\"911\">deposited monthly<\/strong> into your <strong data-start=\"922\" data-end=\"938\">bank account<\/strong>.<\/p><\/li><li class=\"\" data-start=\"942\" data-end=\"1028\"><p class=\"\" data-start=\"944\" data-end=\"1028\">The <strong data-start=\"948\" data-end=\"966\">payment amount<\/strong> depends on your <strong data-start=\"983\" data-end=\"999\">income level<\/strong> and <strong data-start=\"1004\" data-end=\"1027\">household situation<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c23c603 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c23c603\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-732be6a\" data-id=\"732be6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95f039e elementor-widget elementor-widget-spacer\" data-id=\"95f039e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-737f659 elementor-widget elementor-widget-heading\" data-id=\"737f659\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Switching or Cancelling Health Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ff91ad elementor-widget elementor-widget-text-editor\" data-id=\"5ff91ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fortunately, you have the <strong data-start=\"26\" data-end=\"61\">flexibility to switch providers<\/strong> if you find a <strong data-start=\"76\" data-end=\"91\">better plan<\/strong>. However, there are <strong data-start=\"112\" data-end=\"130\">specific rules<\/strong> and <strong data-start=\"135\" data-end=\"148\">deadlines<\/strong> you must follow to ensure a <strong data-start=\"177\" data-end=\"198\">smooth transition<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b9d640 elementor-widget elementor-widget-image\" data-id=\"0b9d640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Cancelling-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Cancelling-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Cancelling.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Cancelling-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Cancelling-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Cancelling-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Cancelling.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6901 sp-no-webp\" alt=\"Woman typing on a laptop with a stethoscope in the foreground\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb4fe1f elementor-widget elementor-widget-heading\" data-id=\"cb4fe1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to Switch Health Insurance Providers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5c710b elementor-widget elementor-widget-text-editor\" data-id=\"c5c710b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"223\">You can only <strong data-start=\"13\" data-end=\"64\">switch your health insurance policy or provider<\/strong> during a <strong data-start=\"74\" data-end=\"105\">designated period each year<\/strong>, which lasts about <strong data-start=\"125\" data-end=\"137\">10 weeks<\/strong>. Outside of this window, changes are <strong data-start=\"177\" data-end=\"192\">not allowed<\/strong>, <em data-start=\"194\" data-end=\"220\">except in specific cases<\/em>.<\/p><p class=\"\" data-start=\"225\" data-end=\"642\">If your <strong data-start=\"233\" data-end=\"253\">health insurance<\/strong> <em data-start=\"254\" data-end=\"280\">isn\u2019t cutting it anymore<\/em>, you can <strong data-start=\"290\" data-end=\"311\">tweak your policy<\/strong> or <strong data-start=\"315\" data-end=\"343\">switch to a new provider<\/strong>. <strong data-start=\"345\" data-end=\"382\">Signing up for a new plan is easy<\/strong>\u2014do it <em data-start=\"389\" data-end=\"397\">online<\/em> or <em data-start=\"401\" data-end=\"417\">over the phone<\/em>. If you <strong data-start=\"426\" data-end=\"470\">enroll with a new insurer by December 31<\/strong>, they\u2019ll take care of <strong data-start=\"493\" data-end=\"522\">canceling your old policy<\/strong> for you. But if you <strong data-start=\"543\" data-end=\"580\">cancel it yourself by December 31<\/strong>, you\u2019ve got until <strong data-start=\"599\" data-end=\"613\">February 1<\/strong> to <strong data-start=\"617\" data-end=\"639\">lock in a new plan<\/strong>.<\/p><p class=\"\" data-start=\"644\" data-end=\"788\">However, there are certain <strong data-start=\"671\" data-end=\"685\">exceptions<\/strong> that allow you to <strong data-start=\"704\" data-end=\"731\">switch health insurance<\/strong> between <strong data-start=\"740\" data-end=\"770\">January 1 and mid-November<\/strong>. These include:<\/p><ul data-start=\"789\" data-end=\"1209\" data-is-last-node=\"\" data-is-only-node=\"\"><li class=\"\" data-start=\"789\" data-end=\"892\"><p class=\"\" data-start=\"791\" data-end=\"892\"><strong data-start=\"791\" data-end=\"805\">Turning 18<\/strong>: You must take out <strong data-start=\"825\" data-end=\"845\">health insurance<\/strong> within the <strong data-start=\"857\" data-end=\"872\">first month<\/strong> after turning 18.<\/p><\/li><li class=\"\" data-start=\"893\" data-end=\"990\"><p class=\"\" data-start=\"895\" data-end=\"990\"><strong data-start=\"895\" data-end=\"924\">Moving to the Netherlands<\/strong>: <strong data-start=\"926\" data-end=\"943\">New residents<\/strong> are required to obtain <strong data-start=\"967\" data-end=\"987\">health insurance<\/strong>.<\/p><\/li><li class=\"\" data-start=\"991\" data-end=\"1091\"><p class=\"\" data-start=\"993\" data-end=\"1091\"><strong data-start=\"993\" data-end=\"1048\">Joining a new employer\u2019s collective bargaining unit<\/strong>: This may allow for a <strong data-start=\"1071\" data-end=\"1088\">policy change<\/strong>.<\/p><\/li><li class=\"\" data-start=\"1092\" data-end=\"1209\"><p class=\"\" data-start=\"1094\" data-end=\"1209\"><strong data-start=\"1094\" data-end=\"1105\">Divorce<\/strong>: The <strong data-start=\"1111\" data-end=\"1127\">policyholder<\/strong> has the right to <strong data-start=\"1145\" data-end=\"1176\">cancel the health insurance<\/strong> of their <em data-start=\"1186\" data-end=\"1208\" data-is-only-node=\"\">partner and children<\/em>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0f5b12 elementor-widget elementor-widget-heading\" data-id=\"f0f5b12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to Cancel Insurance When Leaving the Netherlands<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0f83a3 elementor-widget elementor-widget-text-editor\" data-id=\"a0f83a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you decide to <strong>cancel your health insurance<\/strong>, you must meet <strong>specific requirements<\/strong>. In most cases, you <strong>cannot cancel your insurance mid-year<\/strong> unless you meet <em>certain conditions<\/em>, such as <strong>leaving the Netherlands<\/strong> or <strong>switching to an international insurer<\/strong>.<\/p><p>You can only <strong>cancel your Dutch health insurance<\/strong> in the following <strong>situations<\/strong>:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e1ab1f elementor-widget elementor-widget-text-editor\" data-id=\"8e1ab1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">Switching to a New Insurer<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39bf213 elementor-widget elementor-widget-text-editor\" data-id=\"39bf213\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you <strong>switch health insurance<\/strong> during the <strong>open enrollment period<\/strong> (<em>November 12 \u2013 December 31<\/em>), your <strong>new insurer<\/strong> will handle the <strong>cancellation<\/strong> for you.<\/p><p>Your <strong>current insurance<\/strong> will end on <strong>December 31<\/strong>, and your <strong>new coverage<\/strong> will begin on <strong>January 1<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81d4e6e elementor-widget elementor-widget-text-editor\" data-id=\"81d4e6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">Moving Abroad (Deregistering from the Netherlands)<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0b9b28 elementor-widget elementor-widget-text-editor\" data-id=\"e0b9b28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you <strong data-start=\"7\" data-end=\"44\">leave the Netherlands permanently<\/strong>, you must <strong data-start=\"55\" data-end=\"69\">deregister<\/strong> from your <strong data-start=\"80\" data-end=\"107\">municipality (gemeente)<\/strong>. After <strong data-start=\"115\" data-end=\"133\">deregistration<\/strong>, you can <strong data-start=\"143\" data-end=\"169\">request a cancellation<\/strong> from your <strong data-start=\"180\" data-end=\"191\">insurer<\/strong> by providing <strong data-start=\"205\" data-end=\"232\">proof of your departure<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5891a62 elementor-widget elementor-widget-text-editor\" data-id=\"5891a62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">No Longer Required to Have Dutch Health Insurance<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2f5077 elementor-widget elementor-widget-text-editor\" data-id=\"d2f5077\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you <strong data-start=\"7\" data-end=\"52\">no longer work or live in the Netherlands<\/strong> but remain <strong data-start=\"64\" data-end=\"78\">registered<\/strong>, you may <em data-start=\"88\" data-end=\"98\">not need<\/em> <strong data-start=\"99\" data-end=\"125\">Dutch health insurance<\/strong>. Check with the <strong data-start=\"142\" data-end=\"176\">Sociale Verzekeringsbank (SVB)<\/strong> to determine if you <strong data-start=\"197\" data-end=\"225\">qualify for an exemption<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2808a28 elementor-widget elementor-widget-text-editor\" data-id=\"2808a28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: left\">Switching to an International Health Insurance Plan<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7237a1c elementor-widget elementor-widget-text-editor\" data-id=\"7237a1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are an <strong data-start=\"14\" data-end=\"28\">expatriate<\/strong> or have <strong data-start=\"37\" data-end=\"63\">international coverage<\/strong>, you may be able to <strong data-start=\"84\" data-end=\"122\">cancel your Dutch health insurance<\/strong>, but you must provide <strong data-start=\"145\" data-end=\"176\">proof of your new insurance<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1369849 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1369849\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center\"><em>*Note: Ensure your cancellation request is <\/em><em>submitted before December 31 to avoid being charged for the next year.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d1aca1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d1aca1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5df6e48\" data-id=\"5df6e48\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fcf443 elementor-widget elementor-widget-spacer\" data-id=\"1fcf443\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10cc58a elementor-widget elementor-widget-heading\" data-id=\"10cc58a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Final Thoughts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e404d8 elementor-widget elementor-widget-text-editor\" data-id=\"8e404d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"0\" data-end=\"157\">The <strong data-start=\"4\" data-end=\"31\">Dutch healthcare system<\/strong>, while <strong data-start=\"39\" data-end=\"49\">robust<\/strong> and <strong data-start=\"54\" data-end=\"71\">comprehensive<\/strong>, can present a <em data-start=\"87\" data-end=\"103\">learning curve<\/em> for <strong data-start=\"108\" data-end=\"121\">newcomers<\/strong> and even <strong data-start=\"131\" data-end=\"154\">long-time residents<\/strong>..<\/p><p class=\"\" data-start=\"159\" data-end=\"466\">The <strong data-start=\"163\" data-end=\"186\">complex terms alone<\/strong> are enough to <em data-start=\"201\" data-end=\"222\">make your head spin<\/em>, and if you&#8217;re an <strong data-start=\"241\" data-end=\"250\">expat<\/strong> with <em data-start=\"256\" data-end=\"293\">little to no understanding of Dutch<\/em>, the process can feel <em data-start=\"316\" data-end=\"349\">almost impossible to comprehend<\/em>. From <strong data-start=\"356\" data-end=\"385\">choosing the right policy<\/strong> to <strong data-start=\"389\" data-end=\"437\">understanding coverage options and deadlines<\/strong>, there&#8217;s a lot to take in.<\/p><p class=\"\" data-start=\"468\" data-end=\"787\">However, when you <strong data-start=\"486\" data-end=\"505\">carefully study<\/strong> the available <strong data-start=\"520\" data-end=\"546\">health insurance plans<\/strong> from different <strong data-start=\"562\" data-end=\"575\">providers<\/strong>, you\u2019ll be on the <strong data-start=\"594\" data-end=\"609\">right track<\/strong>. By using <strong data-start=\"620\" data-end=\"640\">comparison tools<\/strong>, considering <strong data-start=\"654\" data-end=\"676\">deductible options<\/strong>, and checking for <strong data-start=\"695\" data-end=\"722\">zorgtoeslag eligibility<\/strong>, you can find the <strong data-start=\"741\" data-end=\"769\">most cost-effective plan<\/strong> for your needs.<\/p><p class=\"\" data-start=\"789\" data-end=\"1099\">Also, be <strong data-start=\"798\" data-end=\"809\">mindful<\/strong> of <strong data-start=\"813\" data-end=\"843\">annual switching deadlines<\/strong> and <strong data-start=\"848\" data-end=\"870\">cancellation rules<\/strong> to avoid <strong data-start=\"880\" data-end=\"900\">unexpected costs<\/strong> or <em data-start=\"904\" data-end=\"922\">gaps in coverage<\/em>. Taking <strong data-start=\"931\" data-end=\"950\">proactive steps<\/strong> to review your <strong data-start=\"966\" data-end=\"987\">insurance options<\/strong> each year can help you <strong data-start=\"1011\" data-end=\"1025\">save money<\/strong> and access the <strong data-start=\"1041\" data-end=\"1069\">best healthcare services<\/strong> available in the Netherlands.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a4a291 elementor-widget elementor-widget-image\" data-id=\"4a4a291\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Gp-appointment-768x512.webp 768w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Gp-appointment-300x200.webp 300w,https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Gp-appointment.webp 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" type=\"image\/webp\"><img src=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Gp-appointment-768x512.png\" height=\"512\" width=\"768\" srcset=\"https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Gp-appointment-768x512.png 768w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Gp-appointment-300x200.png 300w, https:\/\/thecitylifer.com\/blog\/wp-content\/uploads\/sites\/4\/2025\/05\/Gp-appointment.png 824w\" sizes=\"(max-width: 768px) 100vw, 768px\" class=\"attachment-medium_large size-medium_large wp-image-6911 sp-no-webp\" alt=\"Smiling woman sitting across from a doctor in a consultation room\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-262dc0f elementor-widget elementor-widget-spacer\" data-id=\"262dc0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f0be33 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f0be33\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5069e49\" data-id=\"5069e49\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f2fa5f elementor-widget elementor-widget-heading\" data-id=\"0f2fa5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-de37150 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de37150\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f859fe5\" data-id=\"f859fe5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75e92d5 elementor-widget elementor-widget-accordion\" data-id=\"75e92d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1231\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1231\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do Dutch Citizens Get Free Healthcare?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1231\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1231\"><p><span style=\"font-weight: 400\">No, healthcare in the Netherlands is not free for anyone. Everyone, including Dutch citizens, must have at least basic health insurance (<\/span><i><span style=\"font-weight: 400\">basisverzekering<\/span><\/i><span style=\"font-weight: 400\">). This covers essential medical care like GP visits, hospital stays and some medications.<\/span><\/p><p><span style=\"font-weight: 400\">If you have a low income, the government may help by giving you a healthcare subsidy (<\/span><i><span style=\"font-weight: 400\">zorgtoeslag<\/span><\/i><span style=\"font-weight: 400\">). You can apply for this through the Dutch Tax Authority (<\/span><i><span style=\"font-weight: 400\">Belastingdienst<\/span><\/i><span style=\"font-weight: 400\">).<\/span><\/p><p><span style=\"font-weight: 400\">However, <\/span><a href=\"https:\/\/www.government.nl\/topics\/health-insurance\/standard-health-insurance\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">children aged 17 and under<\/span><\/a><span style=\"font-weight: 400\"> are included in their parents&#8217; health insurance policies at no additional cost. Parents must still enroll their child in a health insurance plan within four months of birth.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1232\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1232\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What Happens if I Don\u2019t Get Health Insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1232\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1232\"><p><span style=\"font-weight: 400\">Health insurance is required by law. If you don\u2019t get it within four months of living in the Netherlands, you\u2019ll receive a letter from CAK. This gives you three months to arrange coverage. If you fail to do so, you will receive a fine of \u20ac528.<\/span><\/p><p><span style=\"font-weight: 400\">After two fines, the CAK will automatically register you with a health insurer and deduct the premium from your income. It\u2019s best to get insurance as soon as possible to avoid trouble.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1233\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1233\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can Expats Keep Their Foreign Insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1233\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1233\"><p><span style=\"font-weight: 400\">Most expats need to switch to a Dutch health insurance provider. You can only keep your foreign insurance if it meets Dutch requirements.<\/span><\/p><p><span style=\"font-weight: 400\">Some exceptions apply, like for students, posted workers and diplomats. If you\u2019re unsure, check with the Sociale Verzekeringsbank (SVB) by doing a Wlz assessment to see if you need Dutch insurance. If your insurance doesn\u2019t qualify, you\u2019ll have to switch.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1234\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1234\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How Do I Find an English-Speaking GP?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1234\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1234\"><p><span style=\"font-weight: 400\">For expats, once you find a nearby GP, you can visit their website or call them to check if they provide consultations in English.<\/span><\/p><p><span style=\"font-weight: 400\">Another great option is booking online consultations through platforms like <\/span><a href=\"https:\/\/www.air-dr.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Air Doctor<\/span><\/a><span style=\"font-weight: 400\"> or <\/span><a href=\"https:\/\/www.mobidoctor.eu\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Mobi Doctor<\/span><\/a><span style=\"font-weight: 400\">, which offer English-speaking doctors and can be very convenient.<\/span><\/p><p><span style=\"font-weight: 400\">Make sure that you register with a GP early, as you\u2019ll need a referral from them to see most specialists.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Health Insurance Tips<\/p>\n","protected":false},"author":17,"featured_media":6918,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[44],"tags":[18],"post_folder":[],"class_list":["post-6926","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moving-to-netherlands","tag-affiliatecompanytemplate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Ultimate Guide to Health Insurance in The Netherlands - The Citylifer Blog<\/title>\n<meta name=\"description\" content=\"Understand how health insurance works in the Netherlands. 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