Dutch Health Insurance

Dutch Health Insurance for Expats: Complete Guide 2026

The Dutch healthcare system is consistently ranked among the best in the world. It combines universal access with competition between private insurers, resulting in high-quality care for everyone. But for expats arriving in the Netherlands, the system can seem confusing at first, especially the mandatory insurance requirement, the terminology, and the process of choosing a provider. This guide explains everything you need to know about Dutch health insurance as an expat in 2026, from the legal requirements to practical advice on choosing the right policy.