As an expat in the Netherlands, you will undoubtedly have many new experiences, but it is also important to understand how to protect yourself and your belongings by the right insurance. In this blog, we will inform you about the mandatory and recommended insurances in the Netherlands.
Health insurance
One of the first things you need to arrange when moving to the Netherlands is to get health insurance. The Dutch healthcare system is based on mandatory basic health insurance for everyone living or working in the Netherlands, regardless of your nationality. The basic insurance covers essential medical costs such as visits to the general practitioner and hospital care. You can choose from different health insurance providers and packages, so it's wise to research and select one that suits your needs.
Car insurance
If you own a car and drive in the Netherlands, you are required to have car insurance. There are three types of car insurance in the Netherlands: liability insurance (WA), WA + Limited Casco (also called WA+ or WA Extra), and all-risk. Liability insurance (WA) is the minimum requirement and covers damages you cause to others. Consider the type of coverage that best suits you, depending on the age and value of your car.
Home contents Insurance
Although not mandatory, taking out home contents insurance can be very useful for expats in the Netherlands. This insurance covers damage to your personal belongings in case of theft, fire, or other unforeseen events. It provides peace of mind and can be especially handy if you have valuable possessions.
Liability insurance
Liability insurance is not mandatory in the Netherlands, but it is highly recommended. It covers the costs if you accidentally cause damage to someone else or their property. For example, this could happen if you accidentally knock someone over while cycling. Liability insurance ensures that you do not have to cover the costs of compensation yourself.
