Do I have to take Dutch insurance?

Most people who live or work in the Netherlands are required to. There are exceptions depending on your situation, so we check yours.

Can I change insurer at any time?

Changing is normally possible in the yearly change period at the end of the year. Other changes depend on your circumstances.

Which insurer is the cheapest?

That depends on your own situation and the year. We show you the differences and you choose — we do not recommend one company for commission.

What is eigen risico?

It is the amount of your own care costs you pay yourself each year before the insurer starts paying. The amount is set by the government.

Health Insurance

Help choosing, taking out or changing Dutch health insurance.

Almost everyone who lives or works in the Netherlands is required to take out Dutch basic health insurance (basisverzekering). There are deadlines, and being uninsured can lead to a fine.

The basic package is set by the government, but premiums, own risk arrangements and extra packages differ per insurer. Which policy fits you depends on your situation and your health needs.

We explain the options in plain language and help you arrange it. We are not an insurance broker and do not earn commission — we help you understand and complete the paperwork.

What this service includes

Explaining how Dutch health insurance works: basic package, own risk (eigen risico), premium
Comparing policies on the official comparison information
Taking out a new policy or changing insurer within the yearly change period
Cancelling a policy when you leave the Netherlands
Explaining insurer letters and invoices
Checking whether zorgtoeslag may apply to you as well

Documents to bring

Passport or ID card
BSN
Your registered Dutch address
Dutch IBAN (bank account number)
Your current policy details, if you already have insurance
Employment or income details, if relevant

Depending on your personal situation, extra documents may be needed. We tell you what to bring before we meet.

How it works

01
Contact us
Tell us your situation and whether you already have insurance.
02
We explain the options
We go through the differences in plain language.
03
Arrange the policy
We complete the application or the change with you.
04
Aftercare
We explain the confirmation and check zorgtoeslag if relevant.

Questions about this service

Something else? Send us a WhatsApp or Instagram message. We answer in your language.

Other services

Income Tax Return€50 / 1 tax year Zorgtoeslag (Healthcare Allowance)€30 / 1 tax year DigiD€40 Municipality Assistance€40 Government Letters€40 Bank Account Assistance€50 / hour

See all services and prices

This page is general information from NL Assist, not legal or tax advice. Rules and amounts are set by the Dutch government and can change. We always check the official requirements for your own situation.

Contact

Book an in-person appointment

Send us a WhatsApp, Instagram or email message. We answer in your language.

+31 6 2043 3030

Instagram

@nlassistcom

info@nl-assist.com

Home visits

€10 within 10 km, then €0.50/km. We come to you.

Evening & weekend

We can meet after work or on weekends.