Health insurance

Living in Europe | Health insurance | Netherlands

During your stay in the Netherlands you must make sure you are adequately insured, both for your health and other risks. Your host institution can advise you on which insurance to take out/bring. On this page you can find information on the health insurance system and a list of other insurances you should consider in order to be  adequately insured.



Find out which health care insurance applies to you

Which healthcare insurance applies to me when doing research or working in the Netherlands?

Last updated February 2021

Below you can find a flowchart for international researchers and PhD students. This flowchart is for information purposes, no rights can derived from it, and your host institution will be your first point of call in assisting you to get appropriate health insurance. 

  • This flowchart applies to people that are performing their work in the Netherlands, when you are employed by a Dutch institution but live and work abroad, this chart does not apply to you.
  • This flowchart does not apply to partners, children or family members of the employee or researcher.
  • When you are doing an internship, this flowchart does not apply to you.

a flow chart of health care


*Please note that the right is also the obligation to take out a public healthcare insurance.

Dutch public healthcare insurance (PHI) in Dutch is referred to as Zorgverzekering or Basisverzekering. You can qualify for a PHI on the basis of residence or on the basis of employment. For more information visit the website of the Sociale Verzekeringsbank (SVB).




Insurance Checker

Insurance Checklist

Each country has it’s own way of dealing with unexpected or unpleasant costs. The Netherlands has a highly developed insurance culture, in which everyone is expected to be appropriately insured. Nuffic has developed the insurance checklist to provide students and researchers an insight into the possible costs you might want to be insured for.

Posted Workers

Employees posted by their employer to an organisation in the Netherlands are often covered by the health insurance scheme of the country of their employer. This is not always the case and it depends on if there is a social security treaty between the other country and the Netherlands. For more information please refer to this webpage of the Dutch Sociale Verzekeringsbank SVB.

Crossborder worker

If you work in the Netherland and you live in another EU/EEA country, you are in most cases covered by the Dutch health insurance.  To be sure about which rules apply to your situation, it is advisable to check this webpage from the Sociale Verzekeringsbank.




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