Moving to the Netherlands is exciting, but it also means adjusting to new rules. One of the most important things you need to understand is insurance. Some types of insurance are required by Dutch law, while others are optional but very useful.
This guide explains the main types of insurance that can help you stay protected while living in the Netherlands.
Health Insurance (Basisverzekering)
If you live or work in the Netherlands, you must have basic health insurance.
- It is called basisverzekering.
- It covers doctor visits, hospital treatments, and prescription medicines.
- Without it, you may face fines or very high medical bills.
- Tip: Apply for health insurance within four months of arrival to avoid penalties..
Car Insurance
If you own a car in the Netherlands, car insurance is required by law.
There are three main types:
- WA (liability only): Covers damage you cause to others.
- WA+ (limited): Adds cover for theft, fire, or certain damages.
- Allrisk (full cover): Covers almost everything, including damage to your own car.
- Tip: Compare different insurers online to find the best price and coverage.
Bicycle Insurance
The Netherlands is known as the cycling capital of the world, but around 500,000 bicycles are stolen each year.
- Bicycle insurance is not required, but it’s a smart choice if you own an expensive bike.
- It can cover theft, damage, and third-party accidents caused by your bike.
- Tip: Always lock your bike properly, even if you have insurance.
Liability Insurance (WA-verzekering)
Although not mandatory, liability insurance is highly recommended.
- It covers you if you accidentally damage someone’s property or cause injury.
- Policies usually provide between €1,000,000 and €2,500,000 coverage.
- Tip: Liability insurance is affordable but can save you from big financial problems.
Final Thoughts
Insurance in the Netherlands is more than just a legal requirement – it protects your health, your belongings, and your finances. At a minimum, make sure you have health insurance, and then consider car, bicycle, or liability insurance depending on your lifestyle.
