Healthcare in the Netherlands for expats

The Netherlands boasts a high-quality healthcare system, consistently ranking among the best globally. It operates on a dual-level system comprising mandatory health insurance for all residents and a universal social insurance for long-term care.

All residents and workers in the Netherlands are legally required to obtain standard health insurance, which covers general practitioner (GP) consultations, hospital treatments, and prescription medications. Insurers must offer a universal package to everyone over 18, regardless of age or health status. Children under 18 are automatically covered under their parents' policies without additional premiums.

As of 2025, the average monthly premium for basic health insurance is approximately €159 (about US$166), with a mandatory deductible (eigen risico) of €385 (US$401). The government provides healthcare allowances to offset costs for those with low incomes. In 2024, the maximum allowance was €123 per month for singles and €236 per month for families.

The Dutch healthcare system emphasizes primary care, with GPs serving as gatekeepers to specialized services. Patients generally need a referral from their GP to access hospital and specialist care, although they have the freedom to choose their hospital. Hospitals in the Netherlands are well-equipped and provide a high standard of care. In emergencies, care is readily accessible by calling 112, the national emergency number.

Primary care in the Netherlands is well-structured, with GPs acting as gatekeepers to specialist services. Patients must first consult a GP to obtain referrals for specialist or hospital care.

• How to Find a GP:
  • Use ZorgkaartNederland or other online directories.
  • Check with your insurance provider for in-network physicians.
  • Ask neighbors or expat groups for recommendations.
• Appointment System:
  • GPs operate on an appointment-based system, though urgent cases are prioritized.
  • Most practices offer same-day emergency appointments.
  • Walk-in clinics are less common compared to other countries.