Sign up Healthcare Premium Alert/Zorgpremie Alert

Do you want to be the first to know the new healthcare premiums for 2023? Sign up for our free Healthcare Premium Alert/Zorgpremie Alert.


The first steps

Have you just arrived in the Netherlands? Then you need to apply for health insurance. What exactly are the rules? Read more about the steps that you need to follow. 

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.

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.

Health insurance at Independer: how does it work?

Independer guarantees that you will find the best and cheapest health insurance for your specific needs, quickly and efficiently. After answering a few questions, you will immediately see the three best deals selected for you. You can then take out insurance directly online, which will mean you are insured immediately. Often, we also give an extra discount. In this way, you can easily find the cheapest health insurance. 

Do you prefer to shop around? You can also look at all the other health insurance policies as well, or compare a number of insurance policies. You can view the policy conditions online, and sign up for a health insurance policy right away. Your current health insurance will be terminated automatically and you don't have to do anything yourself for this. Within 10 minutes you will be properly insured and have saved a lot of time and money.

Dutch health care system

How does the Dutch healthcare system work? Where can you buy and cancel health insurance? What do you need to know about costs and coverage? Read all about it on the page about the Dutch healthcare system.

Different types of health insurance

Visiting a doctor, hospital or dentist

Do you need to go to the general practitioner (GP), dentist or hospital? Then it is useful to know how healthcare works in the Netherlands. Do you need insurance? Do you have to pay in advance? What do you need to bring with you? You can read more on the following pages:

Visiting a GP in the Netherlands

Visiting a hospital in the Netherlands

Visiting a dentist in the Netherlands

Call us

Call us if you have any questions about the Dutch health insurance. We'd love to help you find the best insurance. Our phone number is 035-626 55 44.