Insurance

Protect yourself, your family, and your belongings thanks to our essential information about mandatory and optional insurance coverage in the Netherlands.

Life insurance in the Netherlands: Complete guide for expats

Find out all you need to know about life insurance in the Netherlands and how to protect your loved ones after you’ve gone. From choosing a policy to making a claim, we explain how it works. Life insurance in the Netherlands is not mandatory, but many people choose it to provide financial support for their […]

Woman having a phone call while standing over a desk looking into a laptop.

Self-Employed Health Insurance in the Netherlands

Understand self-employed health insurance in the Netherlands with this 2026 guide for expat freelancers and zzp’ers (zelfstandige zonder personeel – self employed people or independent contractors). If you’re moving to the Netherlands and plan to work independently you’ll usually be responsible for your own health insurance. Employed people in the Netherlands may have insurance through […]

Three university students talking with eachother.

International student insurance in the Netherlands

Find out which Dutch health insurance you need depending on your specific study, work, and residency situation. Student health insurance in the Netherlands depends on what you do alongside your studies. If you only study, an EHIC or GHIC, or private insurance, may be appropriate; if you leave the Dutch education system and start working […]

Couple sitting on a couch going through documents together.

Legal insurance in the Netherlands for expats

Decide if legal insurance is necessary for your situation. Optional personal legal expenses insurance may help with advice, case handling, mediation, and some legal costs if a covered dispute arises. Cover varies by provider and module, with broad variations in terms of exclusions, waiting periods, and cover caps. If you’re an expat in the Netherlands […]

Freelance, business and e-commerce concept. Creative enthusiastic female journalist writing new article, typing on laptop, smiling, write-down project ideas, sit cafe, drink coffee working remote.

Digital nomad health insurance in the Netherlands

Trying to sort out digital nomad health insurance in the Netherlands? Before you compare policies, first work out whether Dutch statutory insurance or international cover applies to your situation. Health insurance obligations for digital nomads depend mainly on where you live, where and how you work, and which social security system covers you. This guide […]

Liability insurance in the Netherlands for expats

A broken laptop at a friend’s place or a child kicking a ball through a neighbor’s window raises the same question: who pays? In the Dutch market, that answer often starts with personal liability insurance. Personal liability insurance in the Netherlands helps pay if you accidentally injure someone or damage their property. Many expats choose […]

Bike over canal Amsterdam city. Picturesque town landscape in Netherlands with view on river Amstel.

Bike insurance in the Netherlands for expats

Bike insurance in the Netherlands is usually optional, but the risk of theft can make it worth considering, particularly for expensive bikes and e-bikes. If you are new to cycling in the Netherlands, whether you need cover will depend on your bike’s value, where you park it, and how easily you could afford to replace […]

Unemployment insurance in the Netherlands: WW guide

Facing job loss as an expat in the Netherlands is stressful enough without having to decipher local benefit bureaucracy. Dutch unemployment insurance (WW-uitkering, managed by UWV) is an earned entitlement rather than general welfare, but securing it depends heavily on your work history, dismissal terms, and visa status. Below is a breakdown of eligibility criteria, […]

A tree fell during a storm, it's bridging a gracht in Amsterdam, the Netherlands

Insurance in the Netherlands

Learn more about insurance in the Netherlands, including which are optional and which are legally required for Dutch residents.

Guide to getting health insurance in the Netherlands in 2026

Health insurance is mandatory in the Netherlands. Find out how to choose a policy as an expat, how to apply, and how much it costs in 2026.

A woman stands by the open trunk of her car in a driveway

Car insurance in the Netherlands

Planning to get behind the wheel in the Netherlands? Make sure you’re covered with our complete guide to car insurance in the Netherlands.

Home insurance in the Netherlands: property, contents, and liability

Find out all you need to know about home insurance in the Netherlands and protect your property, from the walls to your personal belongings.