You are looking for professional and adequate assistance for when something goes different than expected when moving or settling in the Netherlands. It is possible that you are obliged to take a Dutch healthcare insurance. Furthermore you may be looking for life, disability or damage insurances, this can provide you to help you maintain your (family’s) standard of living. Find the coverage that gives you the protection you need.
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As the healthcare system in the Netherlands is essentially privately funded, you are required by law to take out at least the basic package of health insurance.
Most insurance companies will offer supplementary packages (aanvullende verzekering) of health insurance for an additional charge on top of your standard monthly fee. In addition to providing additional health insurance benefits, such as physiotherapy treatments, you can also opt for dental insurance for claiming up to specific amounts each year. This additional cover should be considered as some dental treatments, such as having a crown or extracting a tooth, can cost several hundred euros.
If you own a house and have a mortgage, a term life insurance (overlijdensrisicoverzekering) is usually required by your mortgage provider.
Although not compulsory, it is advised to consider if you need any of the following insurances:
- Loss of earning insurance
- Liability insurance (aansprakelijkheidsverzekering)
- Legal aid insurance (rechtsbijstandsverzekering)
- House contents insurance for fire and theft (inboedelverzekering)
- Building insurance (opstalverzekering) if you own a house
If you own a car, it is compulsory for you to take out, as a minimum, third party liability insurance (aansprakelijkheidsverzekering). However, to protect yourself against the costs of repair to your car if it is involved in an accident or if it is stolen, you are advised to take out fully comprehensive insurance (cascoverzekering), although this is usually more expensive.
Conscientious objectors and military personnel in active service are exempt from the mandatory insurance. Basic health insurance policy is a mandatory health insurance scheme for the residents of the Netherlands. This also includes:
- non-residents who work abroad for a Dutch government institution
- non-residents who are working in the Netherlands
- crews of ships and planes with Dutch home ports
There is no mandatory insurance for people living in the Netherlands who receive income from a country within the European Economic Area or a treaty country.
Life insurance is a contract between you and the insurance company. You agree to pay set premiums to the insurance company during your lifetime (or agreed-upon term). In return, after your death, the insurance company will pay a specified sum of money to your designated beneficiaries. Typically, life insurance can cover funeral expenses, mortgages, college tuition, and more.
Traditionally, only people with dependents (like a spouse or young children) sought life insurance policies. Today, however, a good life insurance policy makes sense for a wide range of individuals. Experts recommend getting life insurance if someone you know (such as a business partner, spouse, or family member) may suffer financially upon your death.