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Health insurance for internationals in the Netherlands
- No deductible (covered by the No Risk I supplement)
- Nationwide public healthcare coverage
- 100% in English
Why choose Glider Insurance
Glide your way through the Dutch healthcare system with the HollandZorg health insurance.
No deductible (covered by the No Risk I supplement)
This policy covers the mandatory €385,00 deductible, so you won’t incur any out-of-pocket costs.
Nationwide public healthcare
This insurance covers public hospital general care, emergencies, GP visits, maternity care and more.
100% English support
From customer service to policy documents, everything is in English – so you’ll always know exactly what you’re signing.
Family members covered
Your partner and children can easily take out their own Glider policy, ensuring your whole family stays covered with quality care. Children under 18 are insured free of charge.
Glide into the Dutch public healthcare system
The insurance packages are ideal for expats who live and work in the Netherlands, do not hold a Dutch passport, and are required to have Dutch health insurance. They cover essential services such as GP visits, hospital care, and emergency treatment. With these healthcare plans, you’re covered for the basics – and much more.
Standard Package
Includes HollandZorg 2026 Policy
with no Risk I & II supplements
-
No deductible (
€385,00)
No deductible (covered by the No Risk I supplement)
In the Dutch healthcare system, you normally pay the first €385,00 of care costs yourself (the deductible). With this coverage, that amount is fully waived - you are insured from day one, with no out-of-pocket costs upfront.
-
Access to all public hospitals & GPs
Access to all public hospitals & GPs
All general practitioners (huisartsen) and public hospitals in the Netherlands covered / contracted.
-
Pharmaceutical care
Pharmaceutical care
You are entitled to reimbursement of the statutory personal contribution for medicine costs under the public healthcare insurance.
-
Worldwide repatriation
Worldwide repatriation
Covers repatriation (worldwide) if medically necessary or in the event of death.
-
Emergency dental coverage
Emergency dental care
Emergency dental care in the Netherlands, covered up to €200,00 per calendar year.
-
Maternity & Midwifery care
Maternity & Midwifery care
If you give birth in a hospital or birth center without a medical indication, you will be required to pay a statutory contribution of €22,50 per day for yourself and €22,50 per day for your child. Additionally, a statutory personal contribution of €5,70 per hour applies for midwifery care at home.
€166,80
Monthly premium
Premium Package
Includes HollandZorg 2026 Policy
with no Risk I, II & III supplements
-
No deductible (
€385,00)
No deductible (covered by the No Risk I supplement)
In the Dutch healthcare system, you normally pay the first €385,00 of care costs yourself (the deductible). With this coverage, that amount is fully waived - you are insured from day one, with no out-of-pocket costs upfront.
-
Access to all public hospitals & GPs
Access to all public hospitals & GPs
All general practitioners (huisartsen) and public hospitals in the Netherlands covered / contracted.
-
Pharmaceutical care
Pharmaceutical care
You are entitled to reimbursement of the legally required personal contribution for medication costs under public healthcare insurance.
-
Worldwide repatriation
Worldwide repatriation
Covers repatriation (worldwide) if medically necessary or in the event of death.
-
Emergency dental coverage
Emergency dental care
Emergency dental care in the Netherlands, up to €200,00 per calendar year.
-
Maternity & Midwifery care
Maternity & Midwifery care
If you give birth in a hospital or birth center without a medical indication, you will be required to pay a statutory contribution of €22,50 per day for yourself and €22,50 per day for your child. Additionally, a statutory personal contribution of €5,70 per hour applies for midwifery care at home.
-
Regular dental care
Regular dental care
Regular dental care (excluding orthodontics) in the Netherlands, covered up to €250,00 per calendar year.
-
Physiotherapy & Remedial therapy
Physiotherapy & Remedial therapy
After a referral from your GP, you are entitled to 6 physiotherapy or remedial therapy sessions per calendar year. Full reimbursement applies if the treatment is provided by a HollandZorg-contracted care provider.
€184,80
Monthly premium
Glider Insurance is an intermediary for the health insurance policies of HollandZorg. The offered packages include extra coverage on top of the HollandZorg 2026 public health insurance (including an excess of €385,00). The public health insurance has a monthly premium of €160,80 and is available for those who live and work in the Netherlands, do not hold a Dutch passport, and are required to have Dutch health insurance.
Standard Package includes: HollandZorg no Risk I and II. See policy conditions.
Premium Package includes: HollandZorg no Risk I, II and III. See policy conditions.
Which type of insurance is right for you?
Which type of insurance is for you?
Health Insurance
Property Insurance
Personal Protection
Health Insurance
Property Insurance
Personal Protection
Have questions? We've got all the answers!
Am I obliged to take out the Dutch public health insurance (Basisverzekering)?
If you pay income tax or social security contributions in the Netherlands, you are usually required to take out the Dutch public health insurance (Basisverzekering). There are a few exceptions, but this rule applies in most situations.
I have travel insurance or health insurance from my home country. Do I still need the Dutch public health insurance (Basisverzekering)?
Yes, you do. If you pay income tax or social security fees in the Netherlands, you must conclude the Dutch public health insurance (Basisverzekering). International or travel insurance is not accepted as a substitute.
What is the compulsory excess (Eigen Risico or deductible) in the Netherlands?
The compulsory excess (Eigen Risico or deductible) in the Netherlands is the mandatory amount you pay out of pocket before receiving reimbursement from your insurer. For everyone aged 18 or older, the compulsory excess is €385,00.
Can I switch health insurers?
Yes. You can switch at the end of each year, but you must cancel your current insurance before January 1 and conclude a new one by February 1. Your new policy will be retroactive from January 1. Switching during the year is possible if you move between employer collective plans. Glider Insurance offers a transfer service and will cancel your current insurance if you sign up before December 29.
Can I arrange Dutch health insurance for my international employees?
Yes. At Glider Insurance, we help employers in the Netherlands provide mandatory Dutch health insurance for their international or expat employees. We work with HollandZorg, a trusted health insurer.
Resources for expats
What Expats Should Know About Dutch Health Insurance
No Deductible? Here’s What That Means for You as an Expat
Your First GP Visit in the Netherlands? : What to Expect
Student in the Netherlands? Health Coverage Basics
Student in the Netherlands? Health Coverage Basics
Need help? We’ve got you covered - in English!
Choose how you’d like to get in touch with us.