Do you pay Dutch healthcare insurance premiums or are you registered with the Central Administration Office (CAK)? If so, you may be entitled to the healthcare benefit. This is a contribution towards the costs of your Dutch healthcare insurance.
Conditions for healthcare benefit
These are the conditions for you and your possible benefit partner:
- Your (combined) income and capital are not too high.
- You are 18 years of age or older and you have compulsory Dutch healthcare insurance. Healthcare insurance is compulsory if you work in the Netherlands or do a paid internship here. You are also eligible for the healthcare benefit if you are registered with the CAK. Does your partner have no Dutch healthcare insurance? Then you are entitled to half the benefit amount that you would otherwise receive together. We do include your partner's income when calculating the benefit amount. Students are not eligible for the benefit if they only have a non-compulsory student insurance.
- Do you have the nationality of an EU country, Liechtenstein, Norway, Iceland or Switzerland? Then you do not need a valid residence permit, but you should have a right of residency. We will get this information from your municipality. Please check the IND-website for more information.
- Are you from another country? If so, you need a valid residence permit that entitles you to benefits. Read more on the IND-website.
Applying for benefits yourself
You can apply for the healthcare benefit yourself. Information about how to do this can be found under I want to apply for a benefit.
Submit changes on time
Please notify us of any changes in your situation that may impact our calculation of your benefits. This may be the case if your income changes, if your rent goes up (or down),and so on. In these cases, you have to notify us. Information about how to do this can be found under I want to submit a change.
FAQs
You can prepare the insurance refund request (Zorgtoeslag) on your own. You have to call Belastingdienst by the following number: +31 55 538 53 85. After that, you need to request the Zorgtoeslag form.
What does Dutch insurance cover? ›
Standard benefits include hospital, physician, home nursing, and mental health care, as well as prescription drugs. Adults pay premiums, annual deductibles, and coinsurance or copayments on select services and drugs. The government pays for children's coverage up to age 18.
Why is Dutch health insurance so expensive? ›
According to Bas Knopperts, a health insurance expert at Independer, premiums are rising because total care is becoming much more expensive. Hospitals and healthcare providers also face inflation and higher wage costs, he told RTL Nieuws.
Do Dutch citizens get free healthcare? ›
The Netherlands has universal healthcare, but the government requires all adults living or working in the Netherlands to have basic insurance. The basic plan will cost € 100-120 out of pocket. If you're employed, your employer will pay a small percentage towards medical coverage as well.
Can I take back my insurance money? ›
Can You Get Money Back In Term Insurance? Yes, you can get back money in the form of a maturity benefit in term insurance plans.
How do I claim money back from insurance? ›
Money back plans mean that money is returned to the life insured as a survival benefit after a set period. When the policyholder survives the policy term, the money back is guaranteed. In the event of the policyholder's death, the nominee receives the amount guaranteed as well as any accumulated bonuses, if any.
What is the deductible for Dutch health insurance? ›
If you are aged 18 or older, you pay a deductible for the first part of healthcare you receive under the general insurance. This is the compulsory deductible. The amount of the compulsory deductible is set each year by the Dutch government. In 2024 is this €385.
Is the Dutch healthcare system good? ›
Also in 2021, CEOWORLD Magazine's Health Care Index rated the Netherlands as the 11th best healthcare system in the world. All Dutch GPs must first complete six years of general medical training and then undertake three years of specialised training in general practice.
How expensive is Dutch healthcare? ›
Everybody Covered
The average cost to a Dutch citizen for health insurance is about 1,400 euros, or $1,615, annually. People with lower incomes get additional government assistance to reduce their payments.
What's the most expensive health insurance in the world? ›
The United States has the most expensive healthcare system of any country.
Best Health Insurance Companies in India 2024
| S.No | Company Name | Incurred Claim Ratio (2022-23) |
|---|
| 1. | Acko General Insurance Co. Ltd. | 83.88 |
| 2. | Bajaj Allianz General Insurance Co. Ltd. | 74.27 |
| 3. | Cholamandalam MS General Insurance Co. Ltd. | 67.88 |
| 4. | Future Generali India Insurance Co. Ltd. | 79.18 |
24 more rowsPlatinum health insurance is the most expensive type of health care coverage you can purchase. You pay low out-of-pocket expenses for appointments and services, but high monthly premiums. Plans typically feature a small deductible or no deductible and cheap copays or coinsurance.
What are the disadvantages of living in the Netherlands? ›
The Netherlands has a high cost of living, which includes everything from accommodation, groceries, and services. On average, the cost of living in the Netherlands is 10.7% higher than in the UK. Owning a car is particularly expensive, with high road tax and expensive repair costs.
Do Dutch citizens get free university? ›
Higher education in the Netherlands is not free, however, it is subsidised by the Dutch government, making it affordable for Dutch students and also fairly accessible for international students. Learn more about tuition fees and higher education costs in the Netherlands.
Who is eligible for Dutch health insurance? ›
You are 18 years of age or older and you have compulsory Dutch healthcare insurance. Healthcare insurance is compulsory if you work in the Netherlands or do a paid internship here. You are also eligible for the healthcare benefit if you are registered with the CAK (opent nieuw venster).
Can I cancel my Dutch insurance? ›
You can cancel your health insurance up to 31 December each year. We must have received your cancellation before 1 January of the following year. The cancellation takes effect on 1 January of the following year.
How much do Dutch pay for health insurance? ›
The Netherlands Health Insurance Average Costs
The price for a standard package can cost 80–130 EUR (90–140 USD) per month. The average monthly price for most is around 110 EUR (120 USD). In addition to that, you will need to pay the deductible, also called policy excess in the Netherlands.
What is deductible in Dutch health insurance? ›
The deductible, or excess (Dutch: eigen risico) is an obligatory amount that you must pay when for healthcare before your health insurer starts to reimburse for healthcare you have received. It applies to care received within the basic package.
Do Dutch companies pay for health insurance? ›
All individuals living in the Netherlands have to participate in the health insurance scheme (zorgverzekering). For individuals who are employed, the employer will pay part of the insurance - 6.68% on income up to a maximum of €66,956, with a maximum of aprox.
