Anyone living or working in the Netherlands is obliged to have basic health insurance. We offer 100% free choice in hospitals and general practitioners with both of our basic insurances. Read more about the Dutch healthcare system and our health insurance plans on this page.
Would you like to be insured for costs that are not covered by your basic health insurance such as physical therapy, orthodontics (up to the age of 18) or maternity care? Please choose one of our complete supplementary insurances. We offer extensive coverage of additional healthcare costs at an excellent premium.
Select one of the health insurances above to see what supplementary insurances we offer.
Our dental insurancesWith our dental insurances you will get extensive coverage of dental costs which are not covered by your basic health insurance or other supplementary insurance. Please note that children up to the age of 18 do not need dental insurance.
Select one of the health insurances above to see what dental insurances we offer.
Good to know How to applyHow can you get health insurance in the Netherlands and which documents are necessary to complete your registration as a foreigner living or working in the Netherlands? You’ll read all about it on this page.
How to claim billsWhile most bills from healthcare providers are directly sent to us, it may occur that you will receive a bill from them and have to claim it yourself. Want to know how that works? Click here to find out.
Paying excess in instalmentsWith your a.s.r. health insurance you have the option to pay the compulsory excess of € 385 in advance in 10 monthly instalments.
Cancel or terminateDo you wish to cancel, terminate or midterm cancel your health insurance? Read how and when you can do this on this page.
Your digital health insurance cardYour personal health insurance card proves that you are insured for medical costs. Upon request it can be used by healthcare professionals to claim medical costs directly to your insurance.
Co-insure your childrenYou can add your children up to the age of 18 to your health insurance free of charge. Read more on this page about adding your children to your health insurance
With a refund policy (restitutiepolis) you can go to any care provider of your liking such as any independent treatment centre (ZBC). In the Netherlands, we call this ‘free choice of health care’. How does it work? After receiving the bill you can send it directly to your health insurer or you can claim the costs afterwards. Your healthcare insurer will always reimburse the costs if the treatment is covered by your health insurance unless the bill is unreasonably high compared to other healthcare providers in the Netherlands.
An in-kind policy (naturapolis) is also referred to as ‘contracted care’. This means that when visiting a contracted independent treatment centre (ZBC), your health insurer will reimburse all of the health costs. If you visit a non-contracted independent treatment centre (ZBC) you will have to pay a part of the medical costs yourself. This is on average approximately 30 per cent of the total costs.