How the healthcare system works
The Dutch system runs on compulsory private insurance, regulated by the state, and on the huisarts, the family doctor who is the gateway to all care. No carte Vitale here: your insurance card is enough.
Good to know
- Everyone who lives or works in the Netherlands must take out basic insurance (basisverzekering), which covers the GP, hospital and prescription medicines among other things; supplementary cover is optional. Source
- You must take out insurance within four months of arrival; children under 18 must be insured but pay neither premium nor deductible, and a newborn must be registered within four months of birth. Source
- Adults have a compulsory deductible (eigen risico) of 385 euros a year in 2026; huisarts consultations are exempt. Source
- Except in a life-threatening emergency, you do not see a specialist or paediatrician directly: the huisarts refers you to hospital with a letter; midwives and physiotherapists are the exception. Source
- Hospital emergency care is normally accessed via referral from the huisarts, the out-of-hours service or an ambulance, and the costs fall under the adult deductible. Source
Addresses
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Hôpitaux d'Amsterdam UMC
Hospital
Meibergdreef 9 (AMC) et De Boelelaan 1117 (VUmc)
Amsterdam's university hospital, on two sites; it houses the Emma Kinderziekenhuis, the academic children's hospital.