Health insurance is another big one to add to your admin list. If you’re living or working in the Netherlands, you’ll usually need Dutch basic health insurance, but your exact situation matters.

1. Check if you need Dutch health insurance

For most people who live or work in the Netherlands, Dutch basic health insurance is required. Your exact situation can vary, especially if you’re here temporarily or working in another country, so it’s worth checking when you officially became required to have Dutch insurance.

You can check the official rules on Government.nl – Health Insurance.

2. Choose an insurer

There are quite a few health insurance companies in the Netherlands, so compare a few before choosing. The basic package is regulated, but things like the monthly premium, eigen risico (your excess) and additional coverage can differ.

These are some of the main Dutch health insurers you can compare:

• Zilveren Kruis
• VGZ
• CZ
• Menzis
• DSW
• a.s.r.
• ONVZ
• Zorg en Zekerheid

There are also smaller brands/labels under these larger insurance groups, so don’t feel like you have to pick one of these specifically. It’s worth comparing prices and coverage before choosing.

For comparing different policies: Independer – Health Insurance Comparison is also useful!!

3. Sign up

Once you’ve picked one, you can usually arrange everything online. You’ll need your BSN and Dutch address to register with the insurance.

5. Check if you qualify for zorgtoeslag 💸