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Anyone living or working in the Netherlands is obliged to have basic health insurance. We offer 100% free choice in hospitals and general practitioners with both of our basic insurances. Read more about the Dutch healthcare system and our health insurance plans on this page.
a.s.r. offers one of the most sustainable health insurances in the Netherlands.
Stay fit and healthy with our health programs.
Our advisers will listen, think along, and support you.
How does the Dutch healthcare system work?
Anyone living or working in the Netherlands is obliged to have basic health insurance. Even if you're already insured in another country.
The government determines the basic health insurance package which usually covers the costs of standard healthcare such as visits to the general practitioner (GP), hospitalisation and pharmaceutical medicine.
Every healthcare insurer in the Netherlands is obliged to accept your request for basic health insurance, regardless of your state of health.
The premium for basic health insurance is equal for everyone.
Children under the age of 18 are insured via one of their parents without any additional costs.
Extra healthcare costs which are not covered by your basic health insurance can be compensated by (voluntarily) acquiring supplementary insurances such as a dental insurance.
Our supplementary insurances
Would you like to be insured for costs that are not covered by your basic health insurance such as physical therapy, orthodontics (up to the age of 18) or maternity care? Please choose one of our complete supplementary insurances. We offer extensive coverage of additional healthcare costs at an excellent premium.
Select one of the health insurances above to see what supplementary insurances we offer.
Our dental insurances
With our dental insurances you will get extensive coverage of dental costs which are not covered by your basic health insurance or other supplementary insurance. Please note that children up to the age of 18 do not need dental insurance.
Select one of the health insurances above to see what dental insurances we offer.
With a refund policy (restitutiepolis) you can go to any care provider of your liking such as any independent treatment centre (ZBC). In the Netherlands, we call this ‘free choice of health care’. How does it work? After receiving the bill you can send it directly to your health insurer or you can claim the costs afterwards. Your healthcare insurer will always reimburse the costs if the treatment is covered by your health insurance unless the bill is unreasonably high compared to other healthcare providers in the Netherlands.
An in-kind policy (naturapolis) is also referred to as ‘contracted care’. This means that when visiting a contracted independent treatment centre (ZBC), your health insurer will reimburse all of the health costs. If you visit a non-contracted independent treatment centre (ZBC) you will have to pay a part of the medical costs yourself. This is on average approximately 30 per cent of the total costs.
If you’ve accepted a job in the Netherlands or if you’re moving to the Netherlands, it's in most cases necessary to provide additional information to complete your request for health insurance at a.s.r. Please check our page on how to apply for health insurance for more detailed information.
At a.s.r. all correspondence is in Dutch. But there's no reason to worry if you don't speak Dutch, as all of our healthcare advisers are able and willing to answer your questions and information requests in English.
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Zorgverlener zoeken
Machtiging aanvragen
Wachtlijstbemiddeling
Kind meeverzekeren
Alles over betalen
Betalingsregeling
Eigen risico
Eigen bijdrage
Maximale vergoedingen
Fysiotherapie
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Buitenland
Polisvoorwaarden en documenten
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