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About the Dutch health-care system

About the Dutch health-care system

Everyone aged 18 and over who lives and/or works in the Netherlands is required to take out a basic health-care plan. The health-care system in the Netherlands is based on the principle of social solidarity. Together we pay the total health-care costs with our compulsory basic health-care premium. These shared payments ensure that health care is and remains good and accessible for everyone. The government has arranged this in the Zorgverzekeringswet (Health Insurance Act). 

The Dutch healthcare system explained

Do you want to know more about the Dutch health care system? Watch the video below:

Do you have any questions about the Dutch health-care system?

Check out the frequently asked questions and their answers. 

Choose a collective health-care plan

You can take out individual or collective insurance. As an employer you can choose a collective health-care plan for yourself and your employees. This allows you to offer your employees several benefits, such as a discount on supplementary health-care plans and extras to stay fit and healthy.

At ONVZ you can also benefit from excellent service in English and personalised solutions if your employees are expats.

Would you like to know about the benefits of a collective health-care plan with ONVZ? Read more.

Compulsory basic health-care plan

A basic health-care plan is compulsory for everyone from the age of 18 and covers the most frequently incurred health-care costs, like general practitioner, pharmacy or hospital costs. The government determines what the basic health-care plan covers.


At ONVZ you can choose between two basic health-care plans. Just like all the other insurers, we’re required to accept everyone who requests a health-care plan, regardless of your age, current health situation or income.

View the basic health-care plans

Not all health care is covered under the basic health-care plan. You can choose to take out a supplementary health-care plan for dental health care or physiotherapy if you’re expecting to need this.

ONVZ offers several supplementary health-care plans with generous coverage. 

View the supplementary health-care plans
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