If you're moving to Netherlands, here's how healthcare works
Navigating Netherlands's healthcare system doesn't have to be overwhelming. This guide breaks down exactly what you need as an expat.
Healthcare System Overview
| Indicator | Value |
|---|---|
| System Type | Insurance Based |
| Healthcare Quality Index | 92/100 |
| Spending per Capita | €6,719 |
| Life Expectancy | 81.6 years |
How the System Works
Netherlands's healthcare system is classified as insurance based. This means all residents contribute to a mandatory health insurance scheme, either public or private. Employers typically share the cost of public insurance premiums.
Public vs Private Healthcare
Most countries offer both public and private healthcare options:
- Public healthcare: Available to all registered residents. May have waiting lists for non-urgent procedures. Typically lower cost but less choice of provider.
- Private healthcare: Shorter wait times, choice of specialist. Higher cost but often better facilities. Many expats choose private insurance for the first year.
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Emergency Numbers
| Service | Number |
|---|---|
| Universal Emergency | 112 |
| Ambulance | 112 |
| Police | 112 |
Save these numbers in your phone before arriving in Netherlands. In EU countries, 112 works universally. In non-EU countries, learn the local numbers and keep them accessible.
Health Insurance for Expats
As an expat in Netherlands, your insurance options typically include:
- Employer-sponsored insurance: If employed locally, your employer may enrol you in the public system or provide private coverage
- International health insurance: Global plans from providers like Cigna, Allianz, or Bupa — ideal for the first year or if you plan to move again
- Local private insurance: Often cheaper than international plans but may have language barriers in claims
- Public system enrolment: Available once you have a residence permit and employment
Healthcare Quality
With a healthcare quality index of 92/100, Netherlands offers excellent healthcare by international standards.
Life expectancy in Netherlands is 81.6 years, which is above the global average.
Government healthcare spending is approximately €6719 per capita per year.
Practical Tips
- Register immediately: Sign up for health insurance within your first week of arrival
- Bring medical records: Carry translated copies of your medical history, prescriptions, and vaccination records
- Find an English-speaking doctor: Expat communities and forums often maintain lists of English-speaking practitioners
- Prescription medications: Check if your regular medications are available and legal in Netherlands. Bring a 3-month supply with a doctor's letter
- Dental care: Dental coverage varies widely — check what your insurance covers and consider supplemental dental insurance
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Frequently Asked Questions
What is the quality of healthcare in Netherlands?
Netherlands's healthcare quality index is 92/100, ranking it among the top healthcare systems globally. Life expectancy is 81.6 years. Healthcare spending per capita is €6719.
What should I do in a medical emergency in Netherlands?
Call the emergency number (112) immediately. In a life-threatening emergency, go directly to the nearest hospital emergency department. Carry your insurance card and a translated summary of any medical conditions or allergies. Hospital emergency departments cannot refuse treatment.
Do I need health insurance in Netherlands?
In most cases, yes. As an expat in Netherlands, you will need health insurance. The system is insurance-based, so registration with a health insurer is typically mandatory. Check visa requirements — many residence permits require proof of health insurance.
How long are hospital waiting times in Netherlands?
With a healthcare index of 92/100, waiting times in Netherlands are generally short for both emergency and elective procedures. Private hospitals typically offer shorter waiting times.
Does Netherlands's health insurance cover dental care?
Basic dental care (check-ups, emergency treatment) may be partially covered by public insurance in Netherlands. However, major dental work (crowns, implants, orthodontics) usually requires supplemental dental insurance. Many expats purchase separate dental cover.
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