One of the first things you’ll need to arrange when settling in the Netherlands is your healthcare. Dutch healthcare is high-quality, but it works differently than in many other countries. Here’s what newcomers should know.
🏥 1. Health Insurance is Mandatory
Everyone living in the Netherlands must take out basic health insurance (basisverzekering) from a Dutch provider within 4 months of registering at the gemeente. Even if you’re not working, you’re required to have it.
Popular providers include:
- Zilveren Kruis
- VGZ
- Menzis
- CZ
The average monthly premium is between €120–€150, depending on your chosen coverage.
👩⚕️ 2. Register with a General Practitioner (Huisarts)
Your GP (huisarts) is your first point of contact for all medical issues. They provide referrals if you need to see a specialist or get hospital care. Find a GP near your home and register early—some clinics have waiting lists.
💊 3. Pharmacies (Apotheek)
For prescriptions, go to an apotheek (pharmacy). Many medications require a GP’s prescription, even for things that are over-the-counter in other countries.
🆘 4. What About Emergencies?
In case of emergency, call 112. For non-life-threatening issues after hours, contact your local huisartsenpost (out-of-hours GP service).
💡 Extra Tip:**
Use the Zorgwijzer.nl website to compare insurance options in English before choosing a provider.