Expat Health Insurance Blog
Practical articles on Dutch health insurance for expats and newcomers — eigen risico, switching season, ZZP coverage, and more.
The 30% Ruling and Your Health Insurance: What Highly Skilled Migrants Need to Know
Got the 30% ruling in the Netherlands? Here's how it affects your health insurance, zorgtoeslag eligibility, and which plan to pick.
basicsDental Coverage in Dutch Health Insurance: What Is Actually Covered?
Dutch basic health insurance barely covers dental care for adults. Here's what is and isn't covered, when you need a supplement, and how to choose the right dental add-on.
expat tipsDutch Health Insurance for Self-Employed Expats (ZZP): What You Need to Know
Freelancers and ZZP'ers in the Netherlands face unique health insurance challenges. This guide covers what's required, what ZZP deductions apply, and how to choose the right plan.
deadlinesHealth Insurance Deadline 2026: What Expats in the Netherlands Need to Know
Miss the Dutch health insurance deadline and you'll face fines. Here's exactly when to sign up, what happens if you're late, and how to pick the right plan.
deadlinesHealth Insurance Switching Season in the Netherlands: What Expats Need to Know
Every year in November you can switch Dutch health insurers. Here's how the overstapperiode works, when to switch, and how to avoid common mistakes.
expat tipsHow to Choose Health Insurance in the Netherlands as an Expat
A step-by-step guide to picking the right Dutch health insurance (zorgverzekering) as an expat — coverage types, costs, and what to watch out for.
basicsNatura vs Restitutie vs Combinatie: Which Dutch Insurance Type Is Right for You?
The three types of Dutch health insurance explained in plain English. Which one saves you money, and which one gives you freedom? Here's how to choose.
basicsUnderstanding Eigen Risico: The Dutch Health Insurance Deductible Explained
Confused by the eigen risico? You're not alone. This guide explains how the Dutch deductible works, what it covers, and how to decide whether to raise it.