Are you a student in the Netherlands that got a job? Then it's time to get a public health insurance! Regardless of where you are from, EU or non-EU, every employee in the Netherlands is required to get a Dutch public health insurance. Generally, all insurances offer similar benefits, however, there are variations of add-on you can have in your insurance package.
Dutch Public Health insurance is a crucial consideration for international students working in the Netherlands. Menzis offers three main insurance plans tailored for different needs and budgets: the Basis Voordelig, Basis and Basis Vrij.
The monthly fee for Menzis health insurance starts from €133,75 per month for 2025 with the Basis plan. Plus, as a student, you may be eligible for a healthcare allowance (zorgtoeslag) of a maximum of €131 from the Dutch government per month, significantly reducing your costs.
Zilveren Kruis is one of the most well-known and widely used health insurance providers in the Netherlands. All Zilveren Kruis policies comply with Dutch healthcare regulations, meaning you are insured for essential medical care, which is mandatory under Dutch law if you live and work in the Netherlands.
For 2026, the monthly premium for Zilveren Kruis’ basic health insurance starts from €153,95 per month, depending on the plan and chosen deductible. This amount is before healthcare allowance (zorgtoeslag).
Dutch public health insurance is a crucial consideration for international students working in the Netherlands. Menzis offers three main insurance plans tailored for different needs and budgets: the Basis Voordelig, Basis and Basis Vrij.
Students may also choose the Studenten Goed Verzekerd Collective which gives them:
This plan is designed as a budget option that covers essential healthcare services.
This plan offers a balance between cost and flexibility, providing more comprehensive coverage than the Basis Voordelig plan.
This is the most comprehensive plan in the Menzis lineup, offering maximum flexibility and coverage.
Public health insurance is essential for international students and young professionals who work in the Netherlands. Zilveren Kruis offers three main basic insurance plans, designed for different budgets and levels of flexibility, Basis Start (formerly Basis Budget), Basis Zeker, Basis Exclusief.
Basis Start is the new name and updated version of the former Basis Budget plan. From 1 January 2026, this plan offers more flexibility than before, especially when it comes to hospital care.
Monthly premium (2026):
€153,95 with €385 mandatory deductible
€138,95 with €885 voluntary deductible
Basis Zeker is the most chosen Zilveren Kruis plan and offers a good balance between price and freedom of choice.
Monthly premium (2026):
€159,25 with €385 mandatory deductible
€141,75 with €885 voluntary deductible
Basis Exclusief is the most comprehensive basic insurance plan offered by Zilveren Kruis and provides maximum freedom in choosing healthcare providers.
Monthly premium (2026):
€176,45 with €385 mandatory deductible
€158,95 with €885 voluntary deductible
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