Healthcare

Healthcare

Health insurance in the Netherlands for expats: the complete guide

Dutch health insurance is mandatory within four months of arriving, and the basic package is identical at every insurer — so what you're really comparing is price and service. Here's the deductible, the GP gatekeeper model, zorgtoeslag, and the annual switching window.

9 min read
Healthcare

Parental leave in the Netherlands: the expat guide

Dutch parental leave combines several separate schemes, most paid at a percentage rather than in full. Here's how maternity, partner and parental leave stack up, what your CAO might top up, and the 30% ruling threshold that a period of leave can quietly push you below.

9 min read
Healthcare

Sick leave in the Netherlands: your rights and your employer's obligations

Dutch sick leave protection is among Europe's strongest — up to two years of pay and dismissal protection. Here's what you must do on day one, your right to medical privacy, the reintegration timeline, how to contest the company doctor, and what long-term illness means for your residence permit.

9 min read
Healthcare

AOV disability insurance for the self-employed in the Netherlands

Self-employed workers in the Netherlands have no state sick pay and no disability cover. Here's what AOV actually costs, the own-occupation clause that decides whether your claim pays, how the tax relief works, and why applying while healthy matters more than the premium.

9 min read