Arranging health insurance: The first step

Have you registered at the town hall where you live in the Netherlands? Then you have four months after the date of registration to apply for health insurance. If you take out health insurance within those four months, the start date of the insurance will always be the day you registered in the Netherlands. The reason for this is that you are required to have insurance and cannot be uninsured. It also means that you have to pay the insurance premium from the date on which you registered at the town hall. 

Example: You register at the town hall on May 1 in the Netherlands. Three months later you apply for health insurance. The effective date of your health insurance is May 1. You will be retroactively billed for the months May, June and July.


Your health insurer may require proof that you are obliged to take out health insurance in the Netherlands. They must know for sure that you work or live here. When applying for health insurance the insurer may ask for certain documents. The following documents are usually required:

  • ​Passport 
  • Residence permit 
  • Employment contract 

Are you coming to the Netherlands with your family? Then you also need to provide documents for them.

I’ve applied for health insurance: What happens now?

Have you applied for health insurance? All you have to do now is wait for the policy. Insurance companies take about two weeks to process your application and send the policy. Do you need medical attention right away? This is certainly possible. You can just go to the GP, the hospital and the dentist.