Top 10 Insurance Companies in The Netherlands for Expats
Some of the best insurance companies available in the Netherlands for expats include Allianz Care, GeoBlue, Aviva, and more. Each insurer will offer varying benefits and coverage areas while having its share of limitations and fluctuating prices depending on the benefits and coverage.
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Are you an expat in the Netherlands? Would you like to stay insured while living abroad in the flat landscape of canals? This Pacific Prime article will go over the top 10 insurance companies in the Netherlands to help expats with the decision-making process when looking to stay insured abroad.
The Top 10 Health Insurance Companies for Expats in The Netherlands
Some of the notable health insurance companies in the Netherlands for expats include GeoBlue, Cigna, Aviva, and more. Each insurer offers comprehensive health insurance coverage for expats with different plans and benefits.
The following are the notable health insurance companies available for expats in the Netherlands.
- OOM Insurance
- Bupa Global
- AXA
- Allianz Care
- Cigna
- Aviva
- April International
- IMG Global
- NOW Health
- GeoBlue
OOM Insurance for Expats in The Netherlands
OOM Insurance specializes in providing insurance for local Dutch citizens as well as expats living in the Netherlands. Below are the key insurance products available from OOM Insurance.
- OOM Temporary Residence Abroad Insurance
- OOM Living Abroad Insurance
- OOM Studying Abroad Insurance
- Collective Insurance
If you would like to learn more about each of OOM’s insurance products in more detail, including its varying premiums and coverage areas, click each of the aforementioned insurance products listed above for further reading.
The temporary residence abroad insurance is designed for those temporarily staying abroad and the maximum validity is two years while its living abroad counterpart is designed for those who are staying abroad for an indefinite period of time.
On the other hand, OOM’s studying abroad insurance is designed for students and interns. Finally, OOM’s collective insurance allows you to conveniently take out health insurance for employees or students abroad, allowing access to multilingual healthcare facilities.
Bupa Global Health Insurance for Expats in The Netherlands
Bupa Global is Bupa’s division specializing in health insurance for expats and their families as well as groups and businesses. Each health insurance plan available from Bupa will vary depending on the expat’s location.
There are four tiers of health insurance plans available from Bupa Global. These include the Major Medical, Select, Premier, and Elite. Out of the four tiers, Major Medical is the most basic health insurance plan from Bupa while Elite is the most comprehensive plan.
Below are the different annual deductibles for the different plans from Bupa Global.
| Plan | Annual Deductible (GBP) | Annual Deductible (USD) | Annual Deductible (Netherlands Euro) |
| Major Medical | GBP 2,500,000 | Approximately USD $3,174,200 | Approximately 2,926,929.82 Netherlands Euro |
| Select | GBP 1,250,000 | Approximately USD $1,587,100 | Approximately 1,463,464.91 Netherlands Euro |
| Premier | GBP 1,875,000 | Approximately USD $2,380,600 | Approximately 2,195,151.26 Netherlands Euro |
| Elite | GBP 3,750,000 | Approximately USD $4,761,300 | Approximately 4,390,394.73 Netherlands Euro |
If you would like to learn more about Bupa Global and the coverage areas in each of their available health insurance plans, please visit our page on Bupa Global for further reading.
AXA International Health Insurance for Expats in The Netherlands
AXA offers five different tiers of international health insurance plans for expats. These five tiers of international health insurance plans include the Foundation plan, the Standard plan, the Comprehensive plan, the Prestige plan, and the Prestige Plus plan.
Below are the different annual limits of each plan.
- Foundation Plan: USD $160,000 (approximately 147,536 Netherlands Euro)
- Standard Plan: USD $1,600,000 (approximately 1,475,360 Netherlands Euro)
- Comprehensive Plan: USD $2,400,000 (approximately 2,213,040 Netherlands Euro)
- Prestige Plan: USD $3,200,000 (approximately 2,950,720 Netherlands Euro)
- Prestige Plus Plan: USD $8,000,000 (approximately 7,376,800 Netherlands Euro)
If you would like to learn more about each plan’s coverage areas, along with other insurance products available from AXA, please visit our page on AXA for further reading.
Allianz Care International Health Insurance for Expats in The Netherlands
Allianz Care features three different expat health insurance plans. These include the Allianz Care plan, the Allianz Care Plus plan, and the Allianz Care Pro plan. Below are the maximum plan limits of each plan.
- Allianz Care: USD $2,500,000 (approximately 2,305,250 Netherlands Euro)
- Allianz Care Plus: USD $4,000,000 (approximately 3,688,400 Netherlands Euro)
- Allianz Care Pro: USD $5,000,000 (approximately 4,610,500 Netherlands Euro)
The Allianz Care plan covers semi-private inpatient and day-care hospital hospital rooms, medical evacuation, home nursing, rehabilitation, as well as emergency outpatient care.
Meanwhile, the Allianz Care Plus counterpart covers private inpatient and day-care hospital rooms as well as the same remaining areas as the regular Allianz Care plan. However, a notable addition to this plan is emergency dental care coverage.
Finally, the Allianz Care Pro plan covers the same areas as the aforementioned Allianz Care Plus plan but with added preventative surgery and laser eye treatment coverage.
Cigna International Health Insurance for Expats in The Netherlands
Cigna Global offers up to four tiers of international health insurance plans, such as the Silver, Gold, Platinum, and Close Care plans. All these plans grant worldwide coverage with the option for US coverage. However, do keep in mind that the close care plan only offers domestic coverage.
Below are the different annual limits for each of Cigna Global’s international health insurance plans.
- Silver: USD $1,000,000 (approximately 922,100 Netherlands Euro)
- Gold: USD $2,000,000 (approximately 1,844,200 Netherlands Euro)
- Platinum: UNLIMITED
- Close Care: USD $500,000 (approximately 461,050 Netherlands Euro)
If you would like to learn more about the different coverage areas under Cigna Global, please visit our page on Cigna Global for further reading.
Aviva International Health Insurance for Expats in The Netherlands
Aviva’s health insurance is designed for individuals, including expats, along with families and businesses. The primary health insurance plan covers specialist consultations and treatment, diagnostic tests, hospital charges, complete cancer coverage, and outpatient mental health treatment.
The following are additional areas available as optional add-on coverage.
- Dental and vision care
- Mental health upgrade
- Additional treatment or treatments such as chiropractic, osteotherapy, or physiotherapy
- Protected no-claim discount
- Extended hospital list
If you would like to learn more about Aviva’s various health insurance products available to choose from, please check out our page on Aviva for further reading.
April International Health Insurance for Expats in The Netherlands
Through MyHealth International, April International features five different tiers of health insurance coverage. These include the Emergency plan, the Formule Basic plan, the Essential plan, the Comfort plan, and the Premium plan.
In addition to covering medical repatriation, the Emergency plan only covers hospitalization costs for accidents or emergencies. Additionally, private rooms and comprehensive cancer care are not covered.
On the other hand, the Formule Basic plan covers medical repatriation as well as full hospitalization costs. However, this plan once again lacks comprehensive cancer care and private room coverage like its Emergency plan counterpart.
Finally, the Essential, Comfort, and Premium plans all cover medical repatriation, comprehensive care, as well as full hospitalization costs, and private hospital rooms.
If you’d like to learn more about April International’s annual benefits, coverage comparisons, and other insurance products available, we recommend visiting our page on April International for further reading.
IMG Global Health Insurance for Expats in The Netherlands
Through the insurer’s global medical plan, IMG Global features up to four types of international health insurance plans available to expats. These four notable plans include the Bronze, Silver, Gold, and Platinum plans. The following are each of the plans’ lifetime limits per individual.
- Bronze: USD $1,000,000 (approximately 922,440 Netherlands Euro)
- Silver: USD $5,000,000 (approximately 4612200 Netherlands Euro)
- Gold: USD $5,000,000 (approximately 4612200 Netherlands Euro)
- Platinum: USD $8,000,000 (approximately 7,379,520 Netherlands Euro)
Below are the optional benefits expats can also add on top of their default IMG Global health insurance plans.
- Dental Rider (only available in bronze, silver, and gold plans)
- Vision Rider (only available in bronze, silver, and gold plans)
- Global term life insurance
- Terrorism (only available in platinum plans)
- Sports Rider (only available in gold and platinum plans)
NOW Health International Health Insurance for Expats in The Netherlands
Now Health International’s health insurance plans are designed for expats worldwide and can be tailored to match each expat’s unique healthcare needs and budget. When it comes to worldwide coverage, there are also two main options available to choose from: Including or Excluding the US.
If you would like to learn more about Now Health’s various coverage areas and benefits, please visit our page on Now Health International for further reading.
GeoBlue International Health Insurance for Expats in The Netherlands
In addition to offering both short and long-term health insurance for expats, GeoBlue also features a large international network of up to 1.7 million healthcare providers spanning over 180 countries.
And as icing on the cake, GeoBlue also has a 24/7 phone, online, mobile, and telemedicine service available for members. This allows members to conveniently seek out healthcare options anywhere at any time.
If you’d like to learn more about GeoBlue’s different health insurance plans and the available coverage areas, please visit our page on GeoBlue for further reading.
Frequently Asked Questions
Is healthcare free in the Netherlands?
Healthcare in the Netherlands is universal. However, the government requires all adults living or working in the country to have basic health insurance. A basic plan will run you around 100-200 Netherlands euros (approximately USD $108.47-$216.94) out of pocket.
How good is healthcare in the Netherlands?
The Dutch healthcare system is firmly grounded in primary care, as seen in family doctors being the point of entry as well as the source of continuing care for most of the population in the Netherlands.
What if I don’t have health insurance in the Netherlands?
In the Netherlands, the Dutch law states that everyone working or living in the country must have health insurance. If you lack health insurance while living or working in the Netherlands, you will be fined 496.74 Netherlands euros (which is approximately USD $538.91).
Conclusion
From GeoBlue’s extensive network of healthcare providers spanning multiple countries to the different plans available from April International or Cigna and AXA, each insurer has something for every expat in the Netherlands. Just be mindful of any exclusions or limitations in each plan.
As an international health insurance broker with over 20 years of experience, Pacific Prime has helped countless expats and local citizens find a suitable health insurance plan that suits both their budget range and unique health insurance needs.
Whether you’re an expat in the Netherlands on the lookout for adequate healthcare or a local citizen yourself, our team of specialists will be more than happy to help you out. If you have any questions, get in touch with us or get a free quote here.
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Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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