Health insurance
Each year you can look again at whether your cover still fits. That holds too if part of your life is across the border. You can switch health insurer at the end of each year.
Insurance in the Netherlands
Our associated company, a separate licensed advice firm, arranges the insurance. We take on the tax that follows. They go through your cover and say what you need and what you can drop. Just arrived? Health insurance is the one to sort first.
Written by
Kim van der MandenCertified Mortgage Insurance and Wealth Advisor
Reviewed by
Tim van HulstTeam Lead Mortgage
Updated 5 August 2026
How is this page fact-checked?
We check every page for accuracy, timeliness and relevance. Each one is written and reviewed by our qualified advisors, so the information stays clear, complete and correct.
Fact-checked against
Read our editorial standards- rijksoverheid.nl (the Dutch central government)
- afm.nl (the Dutch financial markets regulator)
- business.gov.nl (government information for entrepreneurs)
Updated 5 August 2026
Dutch insurance
Health insurance is required, and car liability cover if you own a car
Two insurances are required by law in the Netherlands. One is basic health insurance. The other is car liability cover if you own a car. Once you live and work here, the Dutch system applies to you like anyone else. Health insurance also works differently from what you probably know.
You have four months from the day you become insurable to arrange health cover. Insurable usually means the day you start working here or register in your municipality. Cover and premiums both run from that day, so arranging it late saves you nothing. Our health insurance page goes into this in more detail.
Part of your healthcare costs each year is yours to pay. That fixed amount is called the eigen risico. In 2026 the eigen risico is €385. Visits to your GP do not count towards it. Children under 18 pay no eigen risico and are covered free with their parents.
The others are a choice. Home, life and disability cover protect what you build here. Liability cover is a fifth that most households take. Car liability cover has no page of its own here, so you can raise it in your first call. Whether you need the rest depends on your job, your family and your home.
Raise work across borders in that first call, because it can decide which country insures you. Usually the country where you work insures you, even if you live elsewhere. You go through the rest in your first call.
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Personal cover
Cover for your health, home and income
Four covers protect daily life in the Netherlands. They protect your health, your home and your income.
Home insurance
This cover protects your home and everything in it. When you buy, mortgage lenders expect it in practice.
Life insurance (overlijdensrisicoverzekering)
If you are no longer there, your family carries on without money worries. This cover often comes with your mortgage. How you set it up decides whether inheritance tax applies to the payout.
Disability insurance (AOV)
If you cannot work for a while as a freelancer, you still need an income. You get cover that matches your monthly costs. The premium is deductible. You pay tax on the payout.
For your business
Running a business here?
As a business or freelancer you can insure a lot. Liability and legal aid are the common ones. Some clients ask for proof of liability cover before you start. Working across borders or for foreign clients raises its own questions. You find out which of these fit your work.
We reply within one working day
“"Nobody wakes up wanting a policy. You want to know your family and income are safe. I listen to your situation and point you to the right advisor."”
Kim van der Manden
EN · NL
Your advisor
Not sure where you fit? Talk it through
Tell us your situation once. Your advisor picks it up from there. If something ties in with your mortgage or your tax return, you hear that too. If a policy fits, you fill in your details on the next step. We pass them on only once you agree. You keep the same contact. Kim works for our associated company. The insurance advice itself comes from them.
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TaxSavers · Amstelveen · Your tax, alongside your cover
Frequently asked
Insurance questions, answered.
The questions internationals ask us most about insurance here. Yours not in the list? Ask your advisor
Which insurance do I need in the Netherlands?
Two can be mandatory: basic health insurance and car liability cover if you own a car. Most households add liability and home insurance by choice. Liability cover has no page of its own here. It comes up in your first call.
I just arrived. How quickly do I need health insurance?
You have four months from the day you become insurable. That is usually the day you start working here or register in your municipality. Your cover is backdated to that day. Your premiums are too, so arranging it late does not save you anything.
I already have insurance from my home country. Does that still count?
Usually not, once you live or work here. Most foreign policies stop matching Dutch rules, and health insurance in particular has to be Dutch. Bring your current policies to the first call. You hear what still works and what needs replacing.
Are you authorised to give mortgage and insurance advice?
TaxSavers advises on tax, not on mortgages, insurance or pensions. For those we work with A&H Finance, a trade name of New Business Group B.V. They hold the AFM licence (12017511) and they advise and arrange. We introduce you and take on the tax that follows.
What does insurance advice cost?
The first call is free. In that call your advisor goes through what fits your situation. Then you decide what to do next.
Can I get insurance advice in English?
Yes. Advice is available in English or Dutch. Your policies and letters will usually be in Dutch. We translate what matters before you sign anything.
I work across the border. Does that change my insurance?
Often yes, especially for health cover. Where you work decides which country's system applies to you. Tell your advisor where you work and for whom before you choose cover.
Insurance advice
One conversation tells you whether you're covered
You hear which covers fit and which you can drop. Then you decide. Have your current policies ready for the call. There is nothing to sign.
What's included
A dedicated advisor
Advice first, a product only if it fits
Help in English or Dutch
Who does what
Who does what on your insurance
The insurance advice
Insurance advice is provided by our associated company A&H Finance. They advise you and arrange the insurance. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid, the Dutch complaints body for financial services. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
What we do
We explain how insurance works here and what the rules ask of you. We do that in plain language, in English or Dutch. The tax side stays with us, from premium to payout.