Insurance in the Netherlands

If you live and work in the Netherlands, you will need to take out healthcare insurance. Your personal situation or preferences will determine whether you will also need to take out other types of insurance.

Healthcare insurance

If you live and work in the Netherlands, you will need to take out healthcare insurance. The following websites can be used for comparing the costs of the different healthcare insurance providers:

Zorgwijzer
De Consumentenbond (in Dutch)
Independer (in Dutch)
Checklist for selecting a Dutch healthcare insurance policy

Radboud University has a collective health care insurance contract with healthcare insurer VGZ. You will receive a discount on this insurance.

Liability

Statutory liability insurance (third-party insurance) is not compulsory in the Netherlands, but it is one of the most common types of insurance. This type of insurance will reimburse your costs in the event of accidental damage. If you do not have third-party insurance, you will be forced to pay these types of costs yourself. Click here to find out more about third-party insurance.

Mandatory WLZ test for scholarship PhD candidates

If you are appointed as a scholarship student/guest and have a BSN (citizen service number) after arriving in the Netherlands, it is your own responsibility to have a WLZ (Long-term Care Act) test carried out at the Sociale Verzekeringsbank (SVB) in the Netherlands. If, based on this test, you qualify as a scholarship student/guest for the Long-Term Care Act, you will thereby become socially insured in the Netherlands. You will then be obliged to take out (at least) the Dutch basic health care insurance.

If you decide to take up paid employment with an employer in the Netherlands in addition to your activities as a scholarship student/guest, you will be obliged to take out Dutch (basic) health insurance. If you are staying in the Netherlands on the basis of a residence permit, always consult your HR staff member about the possibilities/restrictions that apply on the basis of the relevant residence permit.

The HR employee will inform you in what situation(s) and in what way this WLZ test can be applied for.

Insurance in the Netherlands

Healthcare insurance

Liability

Also interesting

Collective healthcare insurance