Basic Health Insurance HollandZorg

HollandZorg is the Dutch Public Health Insurance for international students, PhD candidates, researchers and their family members working in the Netherlands and receiving an income.

Basic Health Insurance HollandZorg

This is a package without the mandatory deductible/excess, also known as 'verplicht eigen risico' in Dutch. This no deductible Basic Health Insurance is a tailor made package for international students or freelancers who receive an income from working in the Netherlands.

€ 166,80 per month (2026)

Offers the following extras in addition to everything that is covered by the Dutch Basic Health Insurance:

No deductible/excess
€ 200 for emergency dental care
Covers repatriation
Apply/cancel anytime

Everything you need to know about Basic Health Insurance HollandZorg

The HollandZorg Basic Health Insurance is exclusively available to working students and expats who come from outside the Netherlands and do not hold a Dutch passport. The fact that you don't have to pay the usual mandatory deductible/excess, together with the additional cover against no additional costs, makes this Basic Health Insurance the best priced insurance in the Netherlands by far.

Apply for HollandZorg Basic Health Insurance

Apply for Healthcare allowance

When you have the HollandZorg insurance you are eligible for healthcare allowance (zorgtoeslag). You can apply for this allowance at the tax office.

Visit the Belastingdienst

The Basic Plan insurance

We also offer the possibility to apply for the Basic Plan insurance. This is our insurance without any medical cover. This insurance covers the following:

emergencies
repatriation
liability
accidents
luggage
household effects
legal aid
travel insurance

The Basic Plan premium is € 0,53 per day.

Bundling these two insurances means you are fully covered in the Netherlands and can enjoy your time without any worries.

Changed your mind? You have a 14-day cooling-off period

After receiving your policy documents, you have a statutory 14-day cooling-off period to cancel your insurance free of charge. If you cancel within this period, your insurance will be cancelled from the start date, meaning you will not have been insured and any claims during that period will not be covered.

Cancel insurance