The Expat's Guide to Healthcare in the Netherlands

Mandatory Health Insurance ('Basisverzekering')

If you live or work in the Netherlands, having basic health insurance is legally required. You must take out a 'basisverzekering' within four months of registering with your municipality (BRP). This basic package is government-regulated and covers essential medical care, including GP visits, hospital care, specialist treatments, and most prescription medications.

While the coverage is standard across all insurers, premiums and customer service can vary. You can also opt for supplemental insurance ('aanvullende verzekering') for coverage beyond the basic package, such as extensive dental care, physiotherapy, or alternative therapies.

The Central Role of Your GP ('Huisarts')

Your General Practitioner (GP) or 'huisarts' is the first point of contact for almost all medical concerns in the Netherlands. They act as a gatekeeper to specialized care. You must register with a local GP practice.

• First Contact: Your GP handles most routine health issues, minor illnesses, and provides general medical advice.
• Referrals: To see a medical specialist (e.g., dermatologist, cardiologist), you almost always need a referral from your GP. They will assess if specialist care is truly necessary.
• Free from 'Eigen Risico': Importantly, visits to your GP are not subject to the mandatory deductible ('eigen risico').

Accessing Specialists and Hospital Care

As mentioned, a GP referral is typically required for specialist care. Your GP will provide a referral letter or electronically send it to the chosen specialist or hospital.

Once referred, you can schedule an appointment. Waiting lists for non-urgent specialist appointments can sometimes be long, depending on the specialty and hospital. For hospital care, your GP or specialist will guide you through the process.

Understanding Costs: 'Eigen Risico' and Deductibles

The 'eigen risico' (mandatory deductible) is a core element of Dutch healthcare. In 2025, it is €385. This means you pay the first €385 of healthcare costs (excluding GP visits) covered by your basic insurance each year before your insurer starts to reimburse.

You can opt for a voluntary higher 'eigen risico' for a lower monthly premium, but this increases your potential out-of-pocket costs. Supplemental insurance policies also have their own premiums and sometimes deductibles.

Mental Healthcare for Expats

Accessing mental health services also starts with your GP. They can provide initial support (via a POH-GGZ professional in their practice) or refer you to a psychologist or psychiatrist. Basic insurance covers most specialized mental healthcare, subject to your 'eigen risico'.

Many therapists and psychologists in the Netherlands cater to expats and offer sessions in English. It's important to find a professional who understands your cultural background.

Dental Care and Insurance

For adults (18+), routine dental care is generally NOT covered by basic health insurance. This includes check-ups, cleanings, and fillings. You will need to pay for these services yourself or purchase a separate supplemental dental insurance policy.

Dental care for children under 18 is covered by the basic insurance, excluding orthodontics, which typically requires separate supplemental coverage.

Emergency Services

For life-threatening emergencies or situations requiring immediate police, fire, or ambulance assistance, dial 112. Operators can usually communicate in English.

For non-life-threatening medical urgency outside of GP hours, contact your local 'Huisartsenpost'. For non-urgent police matters, call 0900-8844.