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A guide to 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 of our basic insurances. Read more about the Dutch healthcare system and our health insurance plans on this page.

  • a.s.r. offers one of the most sustainable health insurances in the Netherlands.
  • Stay fit and healthy with our health programs.
  • Our advisers will listen, think along, and support you.
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? Please choose one of our complete supplementary insurances. We offer extensive coverage of additional healthcare costs at an excellent premium.  

Select one of the health insurances above to see what supplementary insurances we offer. 

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.

Select one of the health insurances above to see what dental insurances we offer. 

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