CZ (Visit website, opens in a new tab)
Health insurer with basic and supplementary cover, strong in the south of the country.
Netherlands
Mandatory private coverHow health coverage works
In Netherlands, residents must take out basic health cover with private insurers.
Everyone living or working in the Netherlands must buy basic health insurance from a private insurer. Insurers must accept every applicant for the basic package.
Basic health insurance (basisverzekering)
DSW (Visit website, opens in a new tab)
Member-oriented health insurer with basic and supplementary packages.
Menzis (Visit website, opens in a new tab)
Health insurer with basic and supplementary cover across the Netherlands.
VGZ (Visit website, opens in a new tab)
Dutch health insurer offering basic and supplementary plans through several labels.
Zilveren Kruis (Visit website, opens in a new tab)
Largest Dutch health insurer, offering basic and supplementary cover.
Supplementary insurance (aanvullende verzekering)
CZ (Visit website, opens in a new tab)
Health insurer with basic and supplementary cover, strong in the south of the country.
DSW (Visit website, opens in a new tab)
Member-oriented health insurer with basic and supplementary packages.
Menzis (Visit website, opens in a new tab)
Health insurer with basic and supplementary cover across the Netherlands.
VGZ (Visit website, opens in a new tab)
Dutch health insurer offering basic and supplementary plans through several labels.
Zilveren Kruis (Visit website, opens in a new tab)
Largest Dutch health insurer, offering basic and supplementary cover.
Key facts
| Official source | Government of the Netherlands |
|---|---|
| Insurers listed | CZ, DSW, Menzis, VGZ, Zilveren Kruis |
| Last reviewed |
Frequently asked questions
How does health insurance work in Netherlands?
Everyone living or working in the Netherlands must buy basic health insurance from a private insurer. Insurers must accept every applicant for the basic package.
Is private health insurance mandatory in Netherlands?
Yes. In Netherlands, residents must take out basic health insurance with a private insurer.
Which health insurers can I look at in Netherlands?
Well-known insurers listed for Netherlands, in alphabetical order: CZ, DSW, Menzis, VGZ, Zilveren Kruis. This is not a ranking or a recommendation.
Where can I find official information on health cover in Netherlands?
Government of the Netherlands: https://www.government.nl