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
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.
Sign up within 4 months of getting your BSN. Coverage is retroactive to your registration date.
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
Legal Basis
Also Known As
This procedure is commonly searched under these names:
Official Resources
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