Insurance in the Netherlands

Insurance is an important topic when you are considering moving to Amsterdam, or somewhere else in the Netherlands. There are 2 types of insurances: compulsory insurance and non-compulsory insurance.

Health insurance is compulsory in the Netherlands and every person who lives or works in the Netherlands is legally obliged to take out standard (basic) health insurance to cover the basic costs. It is quite normal in the Netherlands to take out additional insurance to cover costs that are not included in the standard package.

Car insurance is another compulsory insurance that every Dutch resident who owns a car is obliged to take out. The legal minimum coverage is third liability coverage. There are some other legal issues that you should take into consideration if you want to take out a car insurance in the Netherlands.

If you are going to study in Amsterdam or you want to do an internship in the Netherlands, you would need a travel insurance. travel insurance is an insurance that covers medical expenses, trip cancellations and other losses that occur while travelling. In the Netherlands, it is required to have a minimum coverage of liability when you start an internship in a company. It is therefore important that you take out a certificate of insurance before you start your internship.

There are a lot of additional insurances in the Netherlands that are non-compulsory, but can come in handy while working and living in the Netherlands. Bike insurance is especially important if you live or work in Amsterdam or in other parts of the Randstad. If you don’t need a bike insurance be sure to buy a decent lock because bike theft is something that is a pressing issue in the Netherlands.