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

If you are not employed, it is a right and an obligation to be insured through Dutch social insurances only if you are regarded a permanent resident by the designated authority, the SVB (Sociale Verzekeringsbank) which is guided by the Long-term Care Act (Wlz).

Among other things, the location of your social, legal and economic life determines whether your stay is temporary or not. Broadly speaking you can presume to be a temporary resident if your stay in the Netherlands will last less than a year.

Aspects that will be considered when looking at your case:

  • Intention: Do you have the intention to go back to your home country after your temporary stay in the Netherlands or are you planning on staying in the Netherlands for a longer time?
  • Housing: Did you sell your house in your home country? Did you buy a house in the Netherlands?
  • Family: Do you have a family and if so, where do they live?
  • Return to home country: Do you regularly visit to your home country or does your whole life take place in the Netherlands?

When it is not clear if you can and need to take out a Dutch public healthcare insurance, it is possible to receive a decision from the SVB by applying for

an assessment of your Wlz position via the website of the Sociale Verzekeringsbank.




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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