Health insurance in the Netherlands
Anyone living or working in the Netherlands is obliged to have basic health insurance. We offer 100% free choice in hospitals and general practitioners with both our health insurance. Read more about the Dutch healthcare system and our health insurance plans on this page. Or calculate your premium right away.
How does the Dutch healthcare system work?
- Anyone living or working in the Netherlands is obliged to have basic health insurance. Even if you're already insured in another country.
- The government determines the basic health insurance package which usually covers the costs of standard healthcare such as visits to the general practitioner (GP), hospitalisation and pharmaceutical medicine.
- Every healthcare insurer in the Netherlands is obliged to accept your request for basic health insurance, regardless of your state of health.
- The premium for basic health insurance is equal for everyone.
- Children under the age of 18 are insured via one of their parents without any additional costs.
- Extra healthcare costs which are not covered by your basic health insurance can be compensated by (voluntarily) acquiring supplementary insurances such as a dental insurance.
Our supplementary insurances
Would you like to be insured for costs that are not covered by your basic health insurance such as physical therapy, orthodontics (up to the age of 18) or maternity care? Choose one of our complete supplementary insurances. We offer extensive coverage of additional healthcare costs at an excellent premium.
Our dental insurances
With our dental insurances you will get extensive coverage of dental costs which are not covered by your basic health insurance or other supplementary insurance. Please note that children up to the age of 18 do not need dental insurance.
Our collective health insurance
Does your employer offer a collective health insurance policy with a.s.r.? And does your employer also have a disability insurance for employers? If so, you can benefit from a discounted rate on our supplementary health insurance plans for yourself and your family. Additionally, you and your family will receive extra benefits on top of your health insurance coverage. Your employer will provide you with a personal link to sign up for our collective health insurance.
Frequently asked questions
What is an in-kind policy?
An in-kind policy (naturapolis) is also referred to as ‘contracted care’. This means that when visiting a contracted independent treatment centre (ZBC), your health insurer will reimburse all of the health costs. If you visit a non-contracted independent treatment centre (ZBC) you will have to pay a part of the medical costs yourself. This is on average approximately 30 per cent of the total costs.
Where can you find English documents?
You can find an overview of all English documents on our document page.
Which documents are necessary to apply?
If you’ve accepted a job in the Netherlands or if you’re moving to the Netherlands, it's in most cases necessary to provide additional information to complete your request for health insurance at a.s.r. Please check our page on how to apply for health insurance for more detailed information.
How can you get in touch with us?
At a.s.r. all correspondence is in Dutch. But there's no reason to worry if you don't speak Dutch, as all of our healthcare advisers are able and willing to answer your questions and information requests in English.