The Wlz scheme and Dutch basic health insurance (Zvw)

If you live or work in the Netherlands, you are probably insured under the Wlz scheme. If you are insured under the Wlz scheme, you are also insured under the scheme for basic Dutch health insurance ( Zvw). That means that you must take out health insurance with a Dutch health insurance company. You will then be covered for medical costs in the Netherlands.

If you do not know whether you are insured under the Wlz scheme, go to 'Find out whether you are insured under the Wlz scheme', and choose the option that best describes your situation.

If you are regarded as living in the Netherlands or you work in the Netherlands

If you work in the Netherlands or you are regarded as living here, you must take out health insurance with a Dutch insurer. This is compulsory for everyone who works in the Netherlands, or who is a resident of the Netherlands. You can take out health insurance with any Dutch health insurance company.

If you already have health insurance from another country

If you work in the Netherlands or you are regarded as living here, you must take out health insurance even if you already have health insurance from another country. Non-Dutch health insurance policies do not meet the requirements of the Dutch Health Insurance Act (Zvw).

If you are not insured under the Wlz scheme, you cannot take out health insurance with a Dutch insurer. You may be able to get medical care in the Netherlands under your non-Dutch health insurance policy. Ask your current health insurer for more information about this.