Expat insurance
Expat insurance in Netherlands
Comprehensive cover for people who've actually moved to Netherlands: multi-year stability, no trip caps, and the proper inpatient/outpatient stack you want when this is home now.
The Netherlands has no dedicated digital nomad visa, but US citizens have a uniquely easy route through the Dutch-American Friendship Treaty (DAFT): register a business, park €4,500 in it, and get a two-year self-employment residence permit. The catch that trips people up is insurance: DAFT itself does not check your cover, yet once your permit takes effect you are legally obliged to buy Dutch basic health insurance within four months.
What expat insurance covers in Netherlands
Expat insurance is built for expats with a residence permit or long-stay visa, families, retirees abroad. The lines below are the base. Exact terms are carrier-specific, so always check the policy document for the Netherlands situation you care about.
What you get
- Full inpatient and outpatient medical
- Maternity (with waiting period)
- Dental and vision (add-ons)
- Chronic-condition management
- Multi-year renewals without trip-length resets
What it won't do
- Cover in your home country (limited windows on some plans)
- Pre-existing conditions during initial underwriting
- Cosmetic procedures
What care costs in Netherlands
A taste of what expat insurance protects you from. The full local cost breakdown lives in the Netherlands guide.
| Basic health insurance (monthly, 2026) | around 159 EUR average premium |
|---|---|
| Annual insurance deductible (eigen risico) | 385 EUR per year |
| GP visit at a private/tourist clinic without Dutch cover | roughly 88 EUR weekday, 135 EUR weekend |
Expat insurance in Netherlands: FAQ
In most cases Netherlands expects long-stay residents and visa applicants to show proof of health coverage. The specific bar (carrier, sum insured, residency-vs-travel cover) depends on your visa class; the Netherlands guide covers the country's current visa-and-residency stance.
Premiums vary by age, plan and deductible far more than by country; the underwriting risk is priced, not the postal code. The Netherlands guide breaks down local treatment costs so you can see what your insurance protects you from, then run a real quote for your own number.
It depends on your situation: how long you're staying, your visa class, your age and health, and whether you want cashless treatment or are fine with reimbursement. Rather than push one plan, we match you against the options that actually fit a stay in Netherlands: answer a few honest questions and see only what's relevant.
Other insurance for Netherlands
Different stages of nomad life need different cover. Here's the full set we've mapped for Netherlands.
Get matched with expat insurance for Netherlands
Three minutes of honest questions, then we'll show you the expat insurance options that actually fit your situation in Netherlands.
Find my plan