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You can also add extra coverage for physiotherapy, dental care, and eyewear. Switch before December 31 to be fully insured for 2026.
You have recently left active military service.
You've lived abroad for a longer period of time.
You're a conscientious objector for religious reasons.
The insurer ended your health insurance due to non-payment.
You cancelled your Dutch health insurance but didn't choose a new one.
You just turned 18 years old and still have to choose your own health insurance.
Do I need a Dutch health insurance in 2026?
Yes, everyone living or working in the Netherlands must take out at least a basic health insurance. If you are obligated to have a health insurance in the Netherlands, but did not apply for one, then you will receive a letter from the Centraal Administratie Kantoor (CAK), reminding you to apply for the mandatory basic health insurance.
In a few cases, you don't (yet) need a Dutch health insurance. In example:
Cheapest health insurance
Bewuste Keuze
Budget in-kind policy
€ 147,40 per maand
Affordably insured
€ 125,40 with € 885 deductible
100% reimbursement for healthcare providers with a contract
60% reimbursement for healthcare providers without a contract
For a number of medical aids and taxi transport, you can choose from a limited number of care providers with a contract.
Get your Dutch health insurance now
Switch now and secure your coverage for 2026
Additional health insurance
An
is not mandatory in the Netherlands. But it can be very useful if you expect extra care, like physiotherapy or alternative treatments. If you know what care you may need in 2026, it is smart to choose a supplemental health insurance.
Dental insurance
With a
, you’re covered for check-ups, dental hygienist treatments, and other dental care. This way you can visit the dentist with confidence. The exact coverage depends on the dental insurance you choose.
Step 1: fill in your personal details
Get your Dutch health insurance now
You can also choose to insure your partner and/or child.
Step 2: choose your policy and deductible
Compare basic and additional insurances and choose the deductible that suits you.
Step 3: start saving
You can save up to € 280,00 per year on your health insurance!
When does my child need a Dutch health insurance?
Our expert Nienke explains
If you work and live in the Netherlands, you must take out a basic Dutch basic health insurance. This rule applies to everyone, no matter if you come from the EU or outside the EU.
Make sure you have a Dutch health insurance within 4 months after your Dutch residence permit starts. Do you need help? Our
are ready to guide you.
Student in the Netherlands
Are you coming to the Netherlands to study? Then you usually don't need a Dutch health insurance if you only study and do not work.
Do you have a paid internship or start working during your studies? Then you must take out Dutch health insurance. It’s important to check your insurance situation at
.
How does the Dutch health insurance work?
The
decides every year what is included in the basic health insurance. For example, the basic package covers visits to a general practitioner (GP), hospital care and several medicines. Do you need extra care, like dental treatment or physiotherapy? Then you can choose an additional or dental insurance for extra coverage.
You can change your Dutch health insurance for 2026 between
12 November and 31 December 2025
. This way you always have a health insurance that matches your healthcare needs.
What is covered in the basic health insurance?
The basic health insurance in the Netherlands covers most essential medical costs. It includes:
What is the Dutch health insurance deductible?
In the Netherlands, everyone with a basic health insurance pays a yearly deductible (also known as '
'). This is the maximum amount you pay yourself for care from the basic insurance. For 2026, the deductible is
€ 385 per year
.
additional health insurance
dental insurance
healthcare experts
the SVB
Dutch government
You only pay the deductible when you use healthcare from the basic health insurance. It does not apply to additional or dental insurances. You can also choose to increase your deductible voluntarily. This can be done with an amount of € 100, € 200, € 300, € 400 or € 500.
Everyone living or working in the Netherlands needs at least a basic health insurance. Together with
, we make sure everyone can find an affordable health insurance that truly fits your healthcare needs. Switch your basic health insurance before December 31st and secure the best coverage for 2026.
In the Netherlands, health insurance is mandatory for everyone from the age of 18. Many parents wonder when their child needs their own health insurance. The answer is simple: from the 18th birthday, every young adult in the Netherlands must take out their own insurance. Until then, children are covered under their parents’ policy.
