Expat Basic health insurance HollandZorg

HollandZorg is the Dutch Public Health Insurance for when you’re working and receiving an income in the Netherlands as both an employee or expat and an international student, PhD candidate, researcher, or family member of one of the above.

Insure To Study offers the Basiszorgverzekering ‘HollandZorg’ in a policy 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 insurance for employees and international students who make an income through work – even as a freelancer.

This insurance offers the following extras in addition to all that is covered by the Dutch Basic Health Insurance:

• No deductible/excess (€ 0,-) (2025)
• € 200 for emergency dental care
• Coverage for repatriation within Europe
• Apply to or cancel the insurance anytime

The HollandZorg Basic Health Insurance is only available for working students and expats who do not have a Dutch Passport, and who come from outside the Netherlands.

The fact that you do not have to pay the usual mandatory excess/deductible, together with the additional cover against no additional costs, makes this Basic Health Insurance the best priced insurance in the Netherlands by far.

For the insurance year of 2025, the HollandZorg insurance premium is € 164,70 per month.

When you have the HollandZorg insurance, you are eligible for ‘Zorgtoeslag’ – also known as the Healthcare allowance – which you can apply for at the tax office.

In addition, we offer the possibility to apply for the BasicPlan Insurance. This is our insurance without any medical coverage. This insurance covers the following: Emergencies, Repatriation, Liability, Accidents, Luggage, Household effects, Legal aid and Travel insurance. The premium for this plan is € 0,53 per day.

By having these two insurances together, you are fully covered in the Netherlands, and can enjoy your time here without any worries.