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Expat Exchange - Health Insurance for Expats in The Netherlands
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Health Insurance for Expats in The Netherlands

By Betsy Burlingame

William Russell
William Russell

Summary: As you plan your move to The Netherlands, a key decision awaits: selecting the right health insurance. Should you go with local or expat coverage? This article explores the options and includes experiences shared by expats in The Netherlands, offering a glimpse into what might work best for you.

Healthcare in The Netherlands - Health Insurance for Expats in The Netherlands

The Netherlands boasts a high-quality healthcare system that is accessible to everyone, including expats and digital nomads. Health insurance is mandatory for all residents, and the system is a mix of public and private insurers, ensuring comprehensive coverage.

Health Insurance Companies in The Netherlands

In The Netherlands, a number of health insurance companies offer a variety of plans to suit different needs. Some of the most popular insurers include Zilveren Kruis, VGZ, CZ, and Menzis. Expats are eligible to purchase health insurance from these companies, provided they meet the residency requirements. These insurers are known for their comprehensive coverage options and customer service, catering to a large portion of the Dutch population, including the expat community.

Expat Health Insurance in The Netherlands

While expats are eligible for local health insurance, some opt for specialized expat health insurance plans. These plans may offer additional benefits, such as coverage for repatriation or medical treatment in their home country or other countries, which can be particularly appealing for those who travel frequently or have not fully settled in The Netherlands.

Local Health Insurance vs. Expat Health Insurance

Expats and digital nomads in The Netherlands typically choose between local health insurance companies and specialized expat health insurance providers. The decision often depends on their length of stay, whether they plan to travel often, and their personal health needs. Local health insurance is generally more integrated with the Dutch healthcare system, while expat insurance can provide more international flexibility.

Considerations for Health Insurance Abroad

When deciding on health insurance while living overseas, it's important to consider factors such as the extent of coverage, whether the insurer directly pays healthcare providers or if you'll need to pay upfront and seek reimbursement, and the ease of accessing services in your language. Additionally, understanding the claims process, coverage for emergency services, and whether the plan includes repatriation or international treatment options can be crucial for expats and digital nomads.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.


William Russell
William Russell

William Russell
William Russell

Allianz Care
Allianz Care

Flexible solutions allow you to tailor your cover to meet your needs and budget. Use Promocode: LIFE10 and get 10% off your international health insurance for life!
Get Quote

Allianz CareAllianz Care

Flexible solutions allow you to tailor your cover to meet your needs and budget. Use Promocode: LIFE10 and get 10% off your international health insurance for life!
Get Quote

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William Russell
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