Cup of coffee

Health & medical insurance in the Netherlands

It’s easy to see why the Netherlands is such a popular expat destination, famous for its beautiful tulip fields, windmills and canals. It is also often described as a very healthy country, with a highly rated healthcare system. Some form of Dutch health insurance is compulsory for everyone living or working in the Netherlands.

In addition to this mandatory cover, we can offer you a private international health insurance plan that covers you around the world, for extra reassurance. This is supplementary to the local insurance requirements. Whether you’re studying, working or retiring in the Netherlands, read on to learn about how our health plans could help you in all situations!

Plane in the sky

Extra help in an emergency

You can rely on us to be there when you or your loved ones need it most. Dutch insurance can cover the costs of things like ambulance transport and hospital stays in an emergency, but not if you leave the country. With our international health insurance, you can take us with you, knowing that you’ll be covered in an emergency, no matter where you end up.

We go even further to make sure you’ll be covered for emergency evacuation and repatriation, no matter which level of cover you choose. So if you can’t get the treatment you need locally, we’ll get you to where you can, and back again. We know this can be expensive, so we don’t take this out of your overall benefit allowance. 

Lady with doctor

Access to the treatment you need, when you need it

We can help you access the in-patient or out-patient treatment you need during your time in the Netherlands, which may not be covered by the compulsory local insurance. With our health plans, you’ll be covered for CT, MRI and PET scans, as well as surgical procedures, radiotherapy and chemotherapy, on all our cover levels. 

You’ll have the reassurance of knowing that with our plans, you can avoid unexpected bills and have the reassurance of a predictable premium. You can choose how often you’d like to pay: monthly, quarterly or annually – whichever suits you.

Man sitting looking at phone

Extra support at any time

Finding your way around a foreign healthcare system can be confusing, so it’s good to know we’re here for you 24/7, to answer any questions you may have about your cover, or about the local healthcare system in the Netherlands. 

As an AXA – Global Healthcare member, you can find a lot of what you need online, whether it’s how to make a claim or find a provider near you – no matter where you are. Our teams work round-the-clock to process your claims, meaning that over 80% are paid within just two days¹, leaving you with more time to focus on getting better and explore you new surroundings. 

Doctor looking at tablet

Seeing a doctor, in person or online

If you arrive somewhere new and think you’d like to see a doctor, we can help you find a doctor’s surgery in the local area. If you’d prefer, we can also help you speak to a qualified doctor over the phone or via video call, at a time that suits you. You can use the independent Virtual Doctor Service2 to talk to a doctor in a range of languages – so no need to worry about language barriers. If you’d prefer not to head out to a doctors’ surgery, or you’re short for time, you can use the service as much as you need to, no matter the level of cover you choose.

If you arrive somewhere new and think you’d like to see a doctor, we can help you find a doctor’s surgery in the local area. If you’d prefer, you can have a medical consultation with a real doctor wherever you are in the world – from the comfort of your home, hotel or office. Better still, there are doctors on call and available 24/7¹. So whether you’re feeling unwell, have a general worry you’d like to talk about, or just need clarity on something like vaccination requirements, simply book an appointment. Just choose a phone call or video chat. Phone calls are available 24/7. And video consultations are available throughout the week, depending on your language of choice. You see, it’s your call when they’re on call¹.

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Give us a call on +44 (0)1892 596418*.

International health plan

Dental Care

In the Netherlands, the local insurance covers dental care for kids and limited dental treatments for adults². If you’d like to complement your local cover with private health insurance that gives you access to a wider range of dental treatment, then it’s good to know that if you have any accidental issues with your teeth, the treatment is covered on all our plans. With some of our cover levels, you can also choose to be covered for routine treatments such as check-ups, or a scale and polish. 

Pregnancy and maternity benefit

Pregnancy Cover

Routine scans and midwife services are covered by the compulsory Dutch insurance, but can require additional payments from you. To avoid any unpredictable bills, and for more cover for things like postnatal consultations, you can choose to include pregnancy cover with some of our plans. Read our page on the pregnancy and maternity benefit to find out more about how this works.

*Lines are open Monday to Friday, 8am-5pm (GMT).

Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.

¹82.9% of eligible claims submitted online between January 2021 and December 2021 were paid within 2 days. 

² Virtual Doctor service is provided by Teladoc Health. Appointments are subject to availability. You do not need to pay or claim for a consultation but you will be charged for the cost of the initial phone call when using the call back service. You won’t be charged if you request a call back using the app or online portal. Telephone appointments are available 24/7/365 and call-backs are typically within 24 hours. Telephone appointments in Greek are available between 09:00 and 21:00 EET, 7 days a week. Video appointments in English, Spanish and Mandarin are available between 08.00 and 00.00 UK time, Monday to Friday. Video appointments in German are available between 08:00 -20:00 CET, Monday to Friday.