Health insurance
Health insurance in Netherlands
Comprehensive medical cover for people who live or stay long-term in Netherlands, with proper inpatient/outpatient benefits, not just emergency travel cover.
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 health insurance covers in Netherlands
Health insurance is built for long-term residents, slow travelers spending 6+ months in one place, expats. 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
- Inpatient hospitalisation, surgery, and ICU
- Outpatient GP visits, specialists, scans, labs
- Prescription drugs
- Maternity and chronic-condition cover (on better plans)
- Mental-health and preventive care (plan-dependent)
What it won't do
- Routine cover in your home country (usually excluded if you're a tax resident)
- Cosmetic procedures
- Pre-existing conditions on day-one of most plans (medical underwriting)
What care costs in Netherlands
A taste of what health 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 |
Health 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.
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Three minutes of honest questions, then we'll show you the health insurance options that actually fit your situation in Netherlands.
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