Dutch healthcare insurance

Navigating the Dutch Healthcare Insurance System


The Netherlands is globally recognized for its high-quality healthcare system, accessible to all residents and citizens. At the heart of this laudable system is Dutch healthcare insurance, designed to provide everyone with necessary medical care without causing financial strain. This blog post aims to clarify the intricacies of the healthcare system in the Netherlands, with a focus on Dutch healthcare insurance.

Understanding the Dutch Healthcare System

Funding for the Dutch healthcare system primarily comes through a blend of taxes and mandatory health insurance premiums. It is a legal requirement for every resident and citizen in the Netherlands to have Dutch healthcare insurance. The exceptions to this rule include employees with an A1 declaration, diplomats, and specific categories of asylum seekers.

The Dutch healthcare system often differs significantly from those in other countries. As experts in this field, Anywr Netherlands proactively educates and advises your employees on this topic. We collaborate to help them select the insurance that best suits their unique circumstances.

Types of Dutch Healthcare Insurance

In the Netherlands, your employees can generally expect to encounter two main types of healthcare insurance:

  1. Basic Health Insurance (Basisverzekering): This insurance covers fundamental healthcare services like general practitioner (GP) visits, hospital care, prescription medications, and maternity care. The government standardizes the coverage and cost of basic insurance, which is administered by private insurance companies.
  2. Additional Health Insurance (Aanvullende verzekering): Beyond basic insurance, individuals may choose to purchase additional insurance for extra services such as dental care, physiotherapy, or alternative treatments. These supplemental policies are optional, and both coverage and costs differ among insurance providers.

Choosing a Health Insurance Provider

Foreign employees will often need to secure healthcare insurance through one of the many available insurance companies, each offering various packages with different levels of coverage and premiums.

Key Factors to Consider When Choosing Dutch Healthcare Insurance:

  • Coverage: Make sure the insurance plan includes the healthcare services your employees may need.
  • Premiums: Compare prices to find a plan that accommodates the budget.
  • Deductibles: Consider the deductible amount that one is willing to pay before the insurance benefits begin.
  • Network: Confirm that the healthcare providers your employee prefers, like specific hospitals or specialists, are in-network.
  • Additional Coverage: Investigate supplementary insurance options if specific services not covered by basic insurance are required.

Understanding Premiums and Deductibles

The insurance cost can vary based on the provider, level of coverage, and individual factors like age and health condition. Generally, opting for a higher deductible can lead to lower monthly premiums.

Accessing Healthcare Services in the Netherlands

Once insured, accessing healthcare services is straightforward. Here’s a brief guide:

  1. Register with a General Practitioner (GP): Choose a GP in your postcode area. Anywr Netherlands can assist your employees with this process. The GP is your primary healthcare contact, offering basic medical care and necessary referrals to specialists.
  2. GP Visits: Insurance usually covers GP visits. Your employees may have a small out-of-pocket expense for prescribed medications, known as the “eigen risico,” which counts towards their deductible.
  3. Specialist Care: If referred to a specialist or if hospitalization is required, the insurance will typically cover the majority of the costs. Some out-of-pocket costs may apply, depending on the deductible and any additional fees.
  4. Prescription Medications: Most are partially covered. A co-payment may be necessary, and some medications might not be included in the coverage.
  5. Emergency Care: Immediate medical emergencies can be directly addressed at the nearest hospital and are fully covered by Dutch healthcare insurance.


Dutch healthcare insurance is an indispensable component of the healthcare system in the Netherlands, facilitating access to essential medical care without financial hurdles. While navigating the various insurance options can appear daunting, a thorough understanding of the Dutch healthcare system and prudent evaluation of individual needs will empower your employee to make informed decisions. In the Netherlands, health insurance is more than a legal mandate; it’s a crucial safeguard for both your health and financial stability.

More info on how Anywr Netherlands can assist your employees from abroad?

Please contact us at info.nl@anywr-group.com.

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