This guide to the healthcare system in the Netherlands explains all you need to know about Dutch health insurance and what services are available to expats.
The Netherlands has a very accessible healthcare system that provides high-quality care and wide availability of English-speaking doctors. Healthcare is accessed via public or private health insurance.
This helpful guide, provided by Cigna Global, includes the following information:
- Overview of healthcare in the Netherlands
- Healthcare costs in the Netherlands
- Health insurance in the Netherlands
- How to register for healthcare in the Netherlands as an expat
- Private healthcare in the Netherlands
- Doctors and specialists in the Netherlands
- Women’s healthcare in the Netherlands
- Children’s healthcare in the Netherlands
- Hospitals in the Netherlands
- Visiting the dentist
- Health centers and clinics in the Netherlands
- Pharmacies in the Netherlands
- Mental healthcare in the Netherlands
- Other forms of Dutch Healthcare
- In an emergency
- Useful Dutch medical phrases
- More information
Cigna Global provides comprehensive health insurance to over 86 million customers in over 200 countries. They have a wide access to trusted hospitals, clinics and doctors and provide expats with help on tailoring a plan to suit your individual healthcare needs.
Overview of healthcare in the Netherlands
The Dutch healthcare system
One of the many great things about living in the Netherlands is the excellent standard of Dutch healthcare, which is rated among the best in Europe. The healthcare system in the Netherlands is managed by the government and supplemented by private insurance companies, with residents required to take out health insurance coverage to access services.
Primary healthcare in the Netherlands is delivered through primary care centers and GP services, with a network of hospitals delivering secondary and emergency services. The Ministry of Health, Welfare and Sport is the government department responsible for public healthcare in the country.
The Netherlands is ranked number two on the 2018 Euro Health Consumer Index, having formerly been named the top-ranked nation. It is the only country to have ranked consistently in the top three since 2005. It was replaced at the top in 2018 by Switzerland, due to the outsourcing of providers in areas such as mental healthcare and pediatric psychiatry.
Who can access healthcare in the Netherlands
All residents and visitors in the Netherlands can access the healthcare service, provided they have health insurance. There is a mandatory requirement for basic public health insurance (zorgverzekeringswet – Zvw) for all Dutch residents. Those not required to take out Zvw are:
- children aged under 18, who are covered by the insurance policy of their parent/guardian;
- temporary visitors from the EU/EEA/Switzerland, who can receive healthcare coverage through their European Health Insurance Card (EHIC);
- temporary visitors from outside the EU/EEA/Switzerland, who will need to purchase private health insurance;
- those with conscientious objections to health insurance, who can apply for an exemption from the Social Insurance Bank (SVB).
You can apply for a healthcare allowance from the Dutch tax office if your income is below a certain threshold. In 2019, these threshold levels were set at €29,562 for individuals and €37,885 for couples.
Healthcare costs in the Netherlands
Healthcare expenditure in the Netherlands is high. In 2016, the Dutch spent 10.3% of GDP on healthcare; the 8th highest out of EU/EFTA countries. They are also one of only 10 EU/EFTA nations to spend more than €4,000 per capital on health.
Public healthcare is funded through health insurance premiums, which are paid monthly to insurance companies (starting at around €100 a month, however it varies from insurer to insurer). On top of this, your employer will pay a percentage of your salary towards health insurance; however, this depends on the company and your contract. Self-employed workers are responsible for making their own contributory payments, but do so at a slightly lower rate.
Insurance policies also have an ‘excess’ which is the amount that you have to pay each year for treatment before you can claim on your insurance policy. This is currently set at €385 a year. You don’t pay the excess on services supplied by GPs, obstetric, and post-natal care; these are completely free.
Your health insurance policy entitles you to free medical treatment in the Netherlands, including standard prescriptions. Public health insurance does not cover some treatment, such as dental treatment and physiotherapy. For this, you will need a private insurance policy.
Health insurance in the Netherlands
There are two main forms of statutory health insurance in the Netherlands:
- Zorgverzekeringswet (Zvw) – often called ‘basic insurance’, covers common medical care;
- Wet langdurige zorg (Wlz) – covers long-term nursing and care.
While Dutch residents and employees are automatically insured by the government for long-term nursing and care (as covered by the Wlz), everyone has to take out their own basic healthcare insurance, except in a few situations.
Temporary residents from the EU/EEA/Switzerland are covered if they hold the European Union Health Insurance Card (EHIC). However, visitors from outside the EU/EEA/Switzerland need to take out private health insurance.
The basic Dutch insurance package covers all costs for the most common medical care. This includes GP and specialist services, medication, and most maternity care. For a complete list of healthcare services included, visit the government’s website.
All insurance companies offer the same basic package. You will need extra insurance if you want coverage for extensive dental treatments, physiotherapy, or anything else the government considers to be your own responsibility; it is in these additional areas that companies compete.
If you are looking for global health insurance, there are also many international insurance companies operating in the Netherlands, including:
How to register for healthcare in the Netherlands as an expat
Once you have done this, you can register for health insurance and choose which insurance company you want to provide you with coverage. To do this, you will need to provide:
- your passport or ID;
- proof of address, such as a recent utility bill;
- your BSN (Dutch national identification number);
- letter from your employer confirming employment, if you are employed
Once you have signed up for health insurance, you can then register with a local doctor. You should receive a health insurance chip card, which you will need to present when you use any of the healthcare services in the Netherlands.
Private healthcare in the Netherlands
Most healthcare services in the Netherlands are available through the state insurance system. However, some services are not covered. These include:
- dental care for adults
- some specialist treatment
Expats who want to access the full range of available healthcare in the Netherlands can take out supplementary private health insurance. This also gives access to private facilities such as private rooms during hospital stays.
Doctors and specialists in the Netherlands
The huisarts (GPs) are the first point of contact when you have a health problem (unless it’s an emergency, of course). They can deal with routine health issues, perform standard gynecological and pediatric examinations, and refer you onto other services; these include hospitals, specialists, home midwifery, and physiotherapy.
First, you will need to register with a huisarts, preferably one nearby. You can make an appointment to meet the doctor before registering, to assess their suitability for your needs.
Dutch healthcare is generally non-interventionist in nature, so don’t expect to leave the consultation with a prescription. Dutch doctors tend not to hand out antibiotics or anti-depressants lightly. It is important to be clear and communicate what you want.
GP services are covered by public insurance, however there are various payment structures, so check with your insurer to see whether you have to pay upfront and claim a reimbursement.
There is 24-hour healthcare coverage in the Netherlands; if you call out of hours, you will usually hear a recorded message on the doctor’s answering machine telling you how to contact on-call medical services.
You can’t go directly to a specialist for treatment; you must have a referral from a huisarts. Most specialists work within a hospital setting – as ‘contractors’ instead of employees – rather than a specialist clinic, and waiting lists can be long.
See our guide to finding doctors in the Netherlands for more information.
Women’s healthcare in the Netherlands
If you are pregnant in the Netherlands, you should contact your GP in the first instance. They will usually then refer you to a midwife who will deal with most pre-natal care. Most maternity costs will be covered through public insurance; this includes access to a maternity nurse who provides antenatal care.
Doctors can perform standard gynecological exams. You can also ask for a referral to a specialist gynecologist. If you have private health insurance, you can choose your own gynecologist.
Cervical cancer checks are available every five years for women over 30. There is a national breast cancer screening program for women aged 50 to 75. Tests for sexually transmitted infections (STIs) are covered through health insurance and can be accessed through your GP or a sexual health clinic.
Contraception in the Netherlands is easily available and widely used. You can purchase condoms from places such as pharmacies and supermarkets. According to statistics, around 40% of Dutch women aged 15 to 30 use the birth control pill. This is available through GP prescription. You do not need a prescription for emergency contraception.
Abortion in the Netherlands is legal up until 21 weeks into the pregnancy, or 24 weeks in some medical cases. Health insurance covers abortion costs. Your GP can refer you to a hospital or abortion clinic, however you don’t need a referral to access these services. You will need to answer some routine questions as part of the process.
Children’s healthcare in the Netherlands
There is a good standard of healthcare services and facilities for children in the Netherlands. Children are insured through the policy of their parents/guardians, including dental care up until the age of 18.
You can register your child with the family doctor in the Netherlands. Doctors can offer pediatric care or can refer to specialist pediatricians or children’s hospitals (kinderziekenhuis) if necessary.
Your local municipality can help you access the best available healthcare services for your child. This includes mental healthcare services or specialist care for children with serious illnesses or disabilities.
There is a National Immunization Program in the Netherlands. It is not mandatory to vaccinate your children by law, however 12 free vaccinations are available against diseases such as:
- measles, mumps, and rubella
Read more in our Guide to vaccinations in the Netherlands.
Hospitals in the Netherlands
There are lots of excellent hospitals in the Netherlands with high standards of care, all over the country. There are different types of hospital (ziekenhuis). Unsurprisingly, those attached to universities, which carry out medical research, have the most advanced medical equipment and treatments, and can offer the most specialized care. Teaching hospitals, training medics, and nurses also offer some specialized treatments. General hospitals deal with more routine conditions.
Unless it is an emergency, you will need a referral letter from our GP. If you are admitted as an in-patient, you may find yourself in a shared room or ward of up to six beds (mixed gender). You will probably have a TV and phone line, but there will be a charge. It is a good idea to bring your own clothes and toiletries. If you prefer to have access to private rooms, however, you may consider taking out private insurance.
For more information, see our guide to hospitals in the Netherlands.
Visiting the dentist
You will need to register with a tandarts (dentist). Traditionally, Dutch dentists worked in single-dentist practices (and around 60% still do), however the growing trend is for dentists to work together in group practices.
Once registered with a dentist, you will usually be invited for check-ups every six months. Your dentist may delegate certain routine tasks to dental hygienists, dental assistants, and prevention assistants. If necessary, they may also refer you to specialized orthodontists and oral surgeons, who are usually based in hospitals. To find a dentist out of hours, call the surgery and a voice mail will direct you to an emergency service.
You may have to take out additional insurance to cover the cost of dental treatment (check what your policy offers); under 18’s have coverage under the basic Dutch health insurance package.
Health centers and clinics in the Netherlands
Many GPs have their own practices in the Netherlands, although some work in multi-disciplinary primary care centers or health centers alongside therapists, nurses, midwives, and other health professionals. Alongside hospitals, there are a number of outpatient clinics that provide secondary care.
You can also find community health centers, mental health centers, and sexual health clinics which provide services in different parts of the country. Contact your local municipality to see what is available in your region.
Pharmacies in the Netherlands
A drogist sells non-prescription medications, toiletries, cosmetics, and baby essentials. An apotheek sells prescription-only drugs as well as over-the-counter meds, vitamins, baby items, homeopathic products, and medical equipment for home use. They can also offer advice on medications and minor ailments.
There will always be an apotheek open 24 hours somewhere in the area. To find the closest out-of-hours pharmacy, you can:
- check the list displayed in the pharmacy window;
- call 020 694 8709;
- look under ‘medische diensten’ (medical assistance) in one of the free local newspapers;
- visit this online list of pharmacies (in Dutch) – click on zoek een apotheek and enter your postcode to find the nearest one.
If you have a consultation with a huisarts (GP), you can sometimes collect your medicine right away from the apotheek as they are often connected electronically. You won’t have to pay for your prescription at the time if the pharmacy has a contract with your insurer. If they don’t, you will have to pay and claim it back. Your insurance company may also specify which types or brands your policy covers, and which it doesn’t. If it doesn’t cover your medicine, it might be worth looking for a cheaper generic brand.
Mental healthcare in the Netherlands
According to statistics, around 4 in 10 Dutch people will experience some form of mental illness during their lifetime. Mental healthcare in the Netherlands is covered by health insurance if the treatment is referred by your huisarts. This could include:
- psychiatric treatment in a hospital or mental health institution;
- psychological care such as counselling or psychotherapy;
- residency in a mental healthcare institution;
- alternative or complementary therapy
There are many English-speaking therapists in the Netherlands. However, not all provide services that are covered by public health insurance. Mental health services are provided through GZZ Nederland, which is the trade association for the sector.
If you have any mental health concerns, you should contact your huisarts in the first instance. If you feel uncertain about your mental health, but don’t feel comfortable about approaching your doctor or mental health services, you can find easily accessible online support including treatment and tests.
Other forms of Dutch healthcare
Homeopathy, acupuncture, chiropractic, osteopathy, traditional Chinese medicine, and other complementary therapies are common in the Netherlands. The different types of therapy are grouped together in associations and you will find a list of regulated practitioners on the Infolijn Alternatieve Geneeswijzen website.
Basic health insurance (Zvw) will cover treatments prescribed by your huisarts. Otherwise, you can get coverage through many private insurers. See our guide to chiropractic, physiotherapy, and osteopathy in the Netherlands.
In an emergency
Go to the spoedeisende hulp or eerste hulp bij ongelukken (EHBO) department of your local hospital for medical emergencies or first aid.
Call the free Europe-wide 112 for urgent medical help if you think that a person’s life may be at risk. If you have a speech or hearing problem, call 0800 8112 and you can type a message to the emergency call centre. You should write where you are, where you need help, and what service you need.
Call 020 694 8709 for pharmacies that are open outside normal working hours. You can also call 020 592 3434 for urgent medical advice from a central doctor’s service.
Make sure you note down this list of emergency numbers for expats in the Netherlands.
Useful Dutch medical phrases
Find more phrases in our guide to Dutch medical terms.
- I have an emergency: Ik heb een noodgeval
- I am ill: Ik ben ziek
- Call a doctor: Haal een dokter
- I have a headache/stomachache: Ik heb hoofdpijn/buikpijn
- I have an itch: Ik heb jeuk
- Call an ambulance: Bel een ambulance
- I feel dizzy: Ik ben duizelig
- I need a doctor: Ik heb een dokter nodig
- Help!: Help!
- I feel unwell: Ik voel me niet lekker
- I am allergic to…: Ik ben allergisch voor…
- Ministry of Health, Welfare and Sport
- Dutch Central Government website – information on family, care, and health
- Health Insurance Information Center
- Dutch Tax Office – information on the healthcare allowance for low earners
- Apotheek – a list of out-of-hours pharmacies
- GZZ Nederland – information on mental healthcare providers