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Health Insurance (Zorgverzekering) — Expat Guide Netherlands (2026)

Quick Answer

What it is:: Health Insurance — a healthcare procedure in Netherlands.
Deadline:: 120 days
Steps:: 4 steps
Cost:: EUR 140
Documents:: 3 required
Legal basis:: Zvw Art. 2

Miss the deadline? Fine from CAK (Central Administration Office) + retroactive premiums

Important Deadlines

120d

Must have health insurance within 4 months of getting BSN

Fine from CAK (Central Administration Office) + retroactive premiums

Required Documents

✓BSN
✓Dutch bank account (IBAN)
✓Proof of income (for zorgtoeslag)

Step-by-Step Guide

Choose a health insurer (zorgverzekeraar). All offer the same basic package (basispakket).

Pro tip: Compare at zorgwijzer.nl or independer.nl. Premiums differ (EUR 120-170/month). Choose based on: premium, deductible, and dental coverage.

Pro tip: Popular insurers: CZ, Zilveren Kruis, VGZ, Menzis. All online sign-up.

Choose your deductible (eigen risico): EUR 385 (mandatory minimum) to EUR 885.

Pro tip: Higher deductible = lower premium (~EUR 15/month savings per EUR 100 extra deductible). But you pay more out-of-pocket.

Apply for zorgtoeslag (healthcare allowance) via toeslagen.nl if your income is below EUR ~38,000.

Pro tip: Zorgtoeslag can cover EUR 100-150/month of your premium. Apply via DigiD at toeslagen.nl.

Fees

Average monthly premium (basic package)EUR 140

Legal Basis

Zvw Art. 2Zvw Art. 9

Also Known As

This procedure is commonly searched under these names:

zorgverzekeringhealth insurance NetherlandsDutch health insurancebasispakketzorgtoeslaghealthcare allowanceeigen risicodeductible NetherlandsCZZilveren KruisVGZ

Official Resources

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More Guides for 🇳🇱 Netherlands

→BSN Number (Citizen Service Number)→DigiD (Digital Identity)