Questions and answers
Who is 123 Insurance for?
For newcomers to the Netherlands – employees, students, families and entrepreneurs – who want to understand Dutch insurance and arrange the right cover.
Do you sell insurance?
No. We give general information and, if you ask us, refer you to an insurer or adviser with an AFM licence. Personal advice and the policy come from that licensed partner.
Does your help cost money?
No. The information on this site and the free call are free of charge. If a licensed partner pays us an introduction fee, we tell you before we refer you.
Which insurance is required in the Netherlands?
Basic health insurance for everyone who lives or works here, and third-party (WA) insurance for every registered car. Everything else is your own choice.
How soon must I take health insurance?
Within 4 months after you start working or come to live in the Netherlands.
What is the own risk in 2026?
€385 per year for basic health insurance, for everyone aged 18 or over. GP visits are not paid from it.
Can I get help with the cost of health insurance?
Yes – with a low or average income you may get healthcare allowance: up to €129 a month as a single person in 2026.
Do you speak my language?
We speak eleven languages. Tell us your language when you book your free call.
What happens with my details?
We only pass your request to a licensed partner when you give permission in the request form. We do not sell your details.
123 Insurance gives general information and refers you to licensed insurers and advisers. We are not an insurer, we do not sell policies and we do not give personal insurance advice. Amounts are for 2026 unless stated otherwise – always check the official source and your policy conditions.