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

Healthcare insurance flowchart (250.07 KB)

Mind: The flowchart doesn’t apply if you are posted or a crossborder worker.

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.


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 website of the Social Insurance Bank SVB – International secondment.

Crossborder worker

If you work in the Netherland and you live in another EU/EEA country, you are covered by the Dutch health insurance. This means that the social insurance scheme applies to you in the country where you work and it covers you in the country where you live. This rule also applies to you if you work in the Netherlands and in another EU/EEA countries. To be sure about which rules apply to your situation, it is advisable to check the Social Insurance Bank (SVB) for more detailed information about which rules apply to you as an international secondment.




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