On this page
Entrepreneurs are, just like everyone else in the Netherlands, obliged to take out health insurance under the Health Care Insurance Act (Zorgverzekeringswet, Zvw). The mandatory basic package of the health care insurance will cover the default health care provided by a general practitioner, hospital or pharmacy, for instance.
Excess and additional coverage
The health care insurance is subject to a mandatory excess. This means you pay the first part of the care you receive yourself. The excess rate is set annually. In addition to the mandatory basic health insurance, which covers medical care included in the basic package, you can take out additional coverage via your health insurer.
Self-employed professionals and ZVW
If you are a self-employed professional and the Dutch Tax and Customs Administration considers your income to be the result from other activities (ROW), you will have to pay a ZVW contribution. To this end they will send you an assessment.
Health care benefit entitlement
Health care benefit is a contribution to the costs of your healthcare insurance. Whether you are entitled to health care benefit depends on your income level, among other things.
Employing uninsured workers
All employees in the Netherlands must have taken out a Dutch health care insurance. If someone fails to do so, the Dutch Central Administration Office (CAK) will do this for them. Their employer will have to withhold the monthly premium (Dutch) for this insurance from their regular wages and pay this to CAK.
The Healthcare Insurance Act also applies if you do not live in the Netherlands, but if you are insured in the Netherlands for the Exceptional Medical Expenses Act. You are then required to have basic health insurance. Besides this, you may be entitled to health care benefit.