How the Dutch health insurance system works for new arrivals.
Action checklist
Complete these steps in order for the fastest, safest setup.
1Zorgverzekering (health insurance) is mandatory within 4 months of arrival
2Basisverzekering (basic insurance): ~€130–160/month with CZ, VGZ, or Zilveren Kruis
3Zorgtoeslag (healthcare allowance): apply via Belastingdienst if income qualifies
4GP (huisarts) registration: needed for all non-emergency healthcare — register in week one
City context: Amsterdam
These steps are tailored for newcomers in Amsterdam. Costs, availability, and requirements may differ in other cities — switch the city selector above to switch context.