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Government support for entrepreneurs

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Health care insurance

This information is provided by Netherlands Enterprise Agency

Entrepreneurs are, just like everyone else in the Netherlands, obliged to take out health insuranceExternal link 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 benefitExternal link 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 premiumExternal link (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 benefitExternal link.

This article is related to:

This information is provided by

Netherlands Enterprise Agency