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.
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, Basis Zeker, Basis Exclusief.
You can expand your coverage with one of its supplementary or dental insurance packages.
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
Monthly premium (2026):
€153,95 with €385 mandatory deductible
€138,95 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
De Friesland offers several insurance formats depending on your needs and budget. Their basic health insurance covers essential healthcare such as GP appointments, hospital visits, emergency care, and prescribed medication, while additional packages can include dental care, physiotherapy, mental health support, and alternative treatments.
Insurance options & prices:
Budget Policy – a lower-cost option with a selected network of healthcare providers.
Natural Policy – more flexibility and freedom in choosing healthcare providers.
Additional Insurance – extra coverage for dental care, physiotherapy, glasses, and wellness services.
Prices for basic insurance generally start from around €138–€160 per month depending on the chosen package and deductible.
For international students and expats, De Friesland can be a good choice if you value accessible customer support, preventative healthcare benefits, and a more personal insurance experience while living in the Netherlands.
De Friesland is a Dutch insurer focused on personal healthcare support and wellbeing. It is a strong option for people looking for a more personal and health-focused approach.
De Zelf Bewust Polis is De Friesland’s most affordable health insurance option and is ideal for students and young professionals looking for reliable basic coverage at a lower monthly cost.
Monthly premium (2026):
€150,75 with €385 mandatory deductible
€138,75 with €885 voluntary deductible
The Vrije Keuze Polis offers more flexibility and freedom in choosing healthcare providers throughout the Netherlands. It is a good option for people who want broader access to hospitals and specialists.
Monthly premium (2026):
€159,25 with €385 mandatory deductible
€141,75 with €885 voluntary deductible
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