Dutch Healthcare System: A Guide for Expats

How Does the Dutch Healthcare System Work?

The Netherlands has a high-quality healthcare system, ranked among the best globally. The system is based on mandatory health insurance (zorgverzekering) and a strong primary care network.

Is Health Insurance Mandatory?

Yes, all residents must have basic health insurance (basisverzekering). Expats must register within four months of arrival if they plan to stay long-term. The basic plan covers GP visits, hospital care, and prescriptions.

How to Get Health Insurance?

• Compare plans on official Dutch government websites
• Choose a provider like Zilveren Kruis, VGZ, or Menzis
• Provide your BSN (citizen service number) when registering
• Pay monthly premiums (average €130 in 2025)

What’s Covered Under Basic Insurance?

The basic package includes:

• GP visits
• Hospital treatments
• Emergency care
• Some prescription medication

Additional Insurance (Aanvullende Verzekering)

Optional policies cover dental care, physiotherapy, and alternative medicine.

Registering with a GP (Huisarts)

Find a huisarts (GP) in your area and register early. They are your first contact for non-emergency medical issues.

Healthcare Costs & Deductibles

In 2025, the mandatory deductible (eigen risico) is €385 per year. Some services, like GP visits, are exempt.

Emergency Care & Pharmacies

For emergencies, dial 112 or visit the nearest hospital’s emergency room. Pharmacies (apotheek) provide prescriptions and over-the-counter medicine.

Final Thoughts

Understanding the Dutch healthcare system ensures smooth access to medical services.

For more answers, visit our Expat Cousin online interactive service.