Health Insurance Guide
International EU/EEA Students
By Dutch law, everyone who lives or works in the Netherlands must have basic health insurance (basisverzekering). Study‑only visitors generally cannot join the Dutch system. Use the interactive guide below to confirm which rule applies to you.
Dutch Health Insurance Guide
Study‑Only Stays (No Paid Work)
If you are in the Netherlands only to study—no job, no internship pay at or above the minimum wage—you are not allowed to buy Dutch basic insurance. EU/EEA students can rely on their EHIC for necessary treatment. Non‑EU students must keep home‑country cover or take an international policy that meets visa rules (≥ €30 000 medical + repatriation).
Need extra protection for repatriation, liability or dental emergencies? Consider a specialised student policy like Swisscare International Student Insurance.
Working, Paid Internships & Part‑Time Jobs
From the first day you earn Dutch wages—including zero‑hour contracts or internships paid at least the legal minimum—you fall under the Wlz social‑insurance scheme. You have four months to sign up for Dutch basic insurance, but premiums are back‑dated to your first working day. Avoid CAK fines by enrolling immediately.
Short or Temporary Stays
If your stay is under four months and you do not work, Dutch insurance is usually not required. Keep proof of your home or private policy with you. Unsure whether your visa counts as “resident”? Check IND guidance on temporary versus non‑temporary residence.
What Does Dutch Basic Insurance Cover?
- GP consultations and referrals
- Hospital care & surgery
- Emergency services & ambulance
- Prescription medicines
- Maternity and neonatal care
- Basic mental‑health treatment
Extras like routine dental care or extensive physiotherapy require supplementary insurance.
How to Apply for Dutch Insurance
- Register at your local municipality (BRP) to get a BSN.
- Compare public insurers & choose a basic plan.
- Submit the application (online is fastest) – coverage back‑dates to your job start.
- Optional: add vision, dental or worldwide coverage.
- Apply for zorgtoeslag (health‑care benefit) if your income is low.
Need Private Cover Only?
If Dutch insurance is not mandatory but you still want solid emergency and travel protection, you can buy an international expat policy such as Swisscare Essential Medical.
Where to Get Help
- SVB – Wlz assessments | +31 (0)20 656 48 48
- CAK – uninsured letters & fines | +31 0800 5028
- Belastingdienst – zorgtoeslag | +31 0800 0543
- SKGZ / Zorgverzekeringslijn – independent advice | +31 0800 646 4644
