Dutch Basic Health Insurance

What is Dutch Basic Health Insurance?

When you start working in The Netherlands, as an expat or a recently graduated student, you are legally required to apply for a Basic Health Insurance (‘Basiszorgverzekering’ in Dutch). Every working, tax-paying individual in The Netherlands is required to do so. Even if you receive an internship compensation, this might apply to you. 

How to apply for Dutch Basic Health Insurance

StudentsInsured offers the Basic Health Insurance package by IAK. 

Apply for IAK Basic Health Insurance

or learn more about IAK Basic Health Insurance.

Do I need Basic Health Insurance?

In order to find out whether you are required to apply for the Dutch Basic Health Insurance, you can follow the SVB  Health Insurance Check

If the outcome is that you need to be insured under the Wlz - you can apply for Dutch Basic health insurance.

What is covered by Dutch Basic Health Insurance?

The coverage of a Dutch Basic Health Insurance plan is determined by the Dutch Government. 


Not Covered*

General Practitioners Physiotherapy for non-chronic diseases
 Hospital treatments Dental care (for people aged 19 and over) 
Medical Specialists Orthodontic care
Ambulance & health related transportation Alternative healthcare
Maternity Care Glasses or lenses
 Dental Care (for people aged 18 and under) & 
Physiotherapy (for people aged 18 and under) 
Maternity package
 Psychological care Private clinic care
Medically necessary breast prothesis  
Medically necessary eyelid correction  
Medically necessary circumcision  

*some of these categories can be covered using a Supplemental health care package.

Supplementary coverage

If you require additional care not covered by Dutch Basic Health Insurance (Basiszorgverzekering), you can opt to expand your insurance with Supplementary Health Care packages for physiotherapy, alternative care and glasses/lenses.