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Themes - Health care

Beginning January 1, 2006 the policies applying to medical insurance in Holland changed. An insurance provider must accept you regardless of age, sex, or medical history and cannot charge higher rates based on this information. Everyone over 18 years of age pays for their policy. Children under 18 are covered with the same coverage as the policy the parent accept.

If you have an income, you will also pay contributions amounting to 6.50% of your income up to a maximum income limit of €30,000. These costs will automatically be refunded in full by your employer. Self-employed people will be sent a payment demand by the tax authorities.

Some of the more well-known insurance companies in Holland are:
Zilveren Kruis Achmea ( - Explanation of policies in English
Trias ( - In Dutch
VGZ ( - In Dutch
The official changes to the laws on health insurance can can be found on this website: Dutch)