The Netherlands is a highly attractive country for migrants and international visitors due to its efficient infrastructure, rich culture, and high standard of living. Relocating temporarily or settling for a long-term stay in the Netherlands requires travel insurance, regardless of whether you are moving temporarily or settling. Insurance is not just a bureaucratic requirement; it provides financial security, peace of mind, and safety in the event of medical emergencies, travel interruptions, or legal matters.
An essential step for immigrants coming to the Netherlands for work, study, family reunion, or asylum is obtaining the right travel insurance. The Dutch government requires non-EU citizens applying for a visa and entering the country to have adequate visa coverage. To ensure a smooth transition, understanding the requirements, policy options, and integrating with local health systems is essential.
A mandatory insurance requirement for visa applicants
Non-EU immigrants applying for short-term (Schengen) or long-term (MVV) visas must have travel medical insurance. This policy must meet the following requirements:
- €30,000 minimum coverage
- Schengen-wide validity
- Medical care, hospitalization, and repatriation are covered
During visa processing, this insurance must be arranged prior to entry into the Netherlands. The application of immigrants without valid insurance may be delayed or rejected.
Integration of the Dutch Healthcare System
In the Netherlands, immigrants who intend to stay more than four months are typically required to register for public health insurance. Nevertheless, travel insurance plays a transitional role for:
- BSN (citizen service number) for new arrivals
- Au pairs, interns, and students
- Short-term temporary workers
- Awaiting approval of residence permits
You should note that travel insurance cannot replace Dutch health insurance if you become a legal resident. Coverage gaps and penalties can result from failing to transition.
A Comparison of Travel Insurance Types
For immigrants and visitors of different categories, there are different types of travel insurance policies. In addition to their differences in coverage, duration, and eligibility, these policies also differ in their cost. Immigrants can choose from the following types of travel insurance:
| Insurance Type | Coverage Duration | Ideal For |
| Group or Family Plans | Varies | Family reunification applicants |
| Student Travel Insurance | Per semester/year | International students |
| Expat Health Insurance | Ongoing | Long-term workers, skilled migrants |
| Schengen Travel Insurance | Up to 90 days | Tourists, family visits |
| Temporary Health Plan | 1–12 months | New residents, students |
| Au Pair Insurance | Up to 12 months | Au pairs, cultural exchange |
| Refugee Arrival Cover | Short-term | Asylum seekers awaiting approval |
Depending on your legal status, purpose of visit, and length of stay, these options can be tailored to meet your needs.
Locations Covered by Travel Insurance
There is more to choosing the right policy than meeting visa requirements. Ensure that immigrants’ plans include:
- A doctor’s visit or emergency treatment (medical care)
- Surgery and hospitalization
- Medical evacuation and repatriation
- Liability (for damages or injuries)
- Travel documents or luggage lost
- Cancellation or curtailment of a trip
Families and individuals with pre-existing conditions may also benefit from insurers who offer extras such as mental health support, maternity benefits, or pre-existing condition coverage.
Expectations and costs of premiums
Compared to long-term health insurance, travel insurance in the Netherlands is competitively priced. Costs vary based on:
- Health status and age of the insured
- Coverage duration and type
- Risk profile and country of origin
Typical premiums for immigrants entering the Netherlands are as follows:
| Policy Type | Average Monthly Cost | Notes |
| Au Pair Insurance | €20 – €45 | Sponsored by host family in most cases |
| Expat Insurance | €75 – €140 | More comprehensive, renewable yearly |
| Student Insurance Plan | €30 – €60 | Special rates for EU/Non-EU students |
| Schengen Travel Plan | €15 – €40 | For 1–3 months, basic coverage |
| Temporary Health Plan | €50 – €90 | Includes wider coverage |
Premiums can often be paid monthly or in one lump sum for the entire term of the policy. There are also online comparison tools available from many insurers that help you choose the right plan.
Trusted Insurance Providers in the Netherlands
There are several Dutch and international companies that specialize in travel insurance for immigrants. Among the leading providers are:
- AON Global – Expats and students use it extensively
- Goudse Verzekeringen – Known for its short-term flexibility
- Oom Verzekeringen – Provides coverage to immigrants with no BSN
- Global Assistance by Allianz – International health insurance trusted by millions
- HollandZorg – Tailored for migrant workers and temporary employees
Non-Dutch speakers and new arrivals will benefit from multilingual support, digital policy management, and fast claims processing offered by these providers.
Legal considerations of Importance
Travel insurance for immigrants must cover the following:
- Valid throughout the Schengen area
- Dates of travel are specified
- Meets the requirements of the Immigration and Naturalization Service (IND)
- Includes a Dutch or English insurance certificate
It is possible, at border control, to be denied entry or a visa if you do not meet these criteria.
Health Insurance Policy Conversion From Travel Insurance
As soon as an immigrant receives their Dutch residence permit and registers with their municipality, they must switch to a Dutch public health insurance provider within four months. It is then necessary to terminate travel insurance in order to avoid double coverage.
Transition involves:
- BSN application
- The choice of a Dutch health insurance provider (e.g., Zilveren Kruis, Menzis)
- Cancelling travel insurance with proof of new coverage
In the Netherlands, health insurance is mandatory for all residents, and it typically costs between €130 and €150 per month. There are additional packages available.
It is complicated enough to deal with the immigration process without worrying about travel insurance. New arrivals in the Netherlands need travel insurance to protect their financial interests, comply with legal requirements, and receive essential medical care from the beginning.
The Dutch healthcare system provides peace of mind and a smoother integration for everyone, regardless of their circumstances. In the Netherlands, immigration is facilitated by a variety of insurance options and trusted providers that make it easier for immigrants to build a prosperous and secure life, among Europe’s most welcoming societies.