Top 10 Best Insurance Companies in the Netherlands for Expats

Would you like to know the best insurance companies in the Netherlands? I’m here to help you. 

Moving to the Netherlands can be exciting, especially if you are relocating from Germany, the United States, the U.K., or other parts of Europe. However, one of the first things every expat must handle is insurance. The Dutch system is organized, highly regulated, and designed to protect both residents and foreigners. Due to this structure, selecting the right provider can feel overwhelming. Yet, when you understand each company, its history, its policies, and what it offers foreigners, the process becomes much easier.

In this guide, I’ll walk you through the top 10 best insurance companies in the Netherlands for expats, based on their premiums, reputation, digital experience, network coverage, and suitability for foreign residents. Below are the largest insurance providers in the Netherlands.

1. Achmea

Best Overall Insurance Provider for Foreigners in the Netherlands

Achmea is the largest insurance group in the Netherlands. Founded in 1811, it now serves over 10 million customers across Europe through brands like Zilveren Kruis, Interpolis, FBTO, Centraal Beheer, and Avéro Achmea. Because of its scale, expats find it easier to trust its coverage and customer support.

The main headquarters is located at Achmea, Handelsweg 2, 3707 NH Zeist, Netherlands.

Achmea operates more than 400 offices and partner agencies, which makes accessing services fast for expats who prefer walk-in centers. Their policies range from health insurance (their strongest area) to home, car, travel, business, and personal liability.

Achmea has a market capitalization of €10.2 billion and controls a major share of the Dutch health insurance market. For expats, their digital services, English-friendly communication, and smooth claims handling stand out. Many foreigners choose brands like Zilveren Kruis for compulsory Dutch health insurance because the premiums are competitive and the benefits are extensive.

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2. VGZ 

Best Dutch Non-Profit Health Insurer for Expats

VGZ is a cooperative non-profit insurance group that was established in 1948. Their head office is located at: VGZ, Nieuwe Stationsstraat 12, 6511 PS Nijmegen, Netherlands.

With more than 4.2 million policyholders, VGZ is the second-largest health insurance provider in the Netherlands. Expats appreciate VGZ because the company reinvests profits into lowering premiums and improving service quality. This is especially helpful if you are new to the Dutch health insurance system and want transparent pricing.

VGZ offers:

• Comprehensive basic health insurance is required by law.
• Supplementary packages that cover dental care, physiotherapy, optical care, and maternity services.
• Digital tools in English to help foreigners easily access primary care providers.

Because VGZ is non-profit, premiums remain stable even during economic fluctuations, which gives foreigners peace of mind.

3. CZ Insurance 

Best for Expats Seeking Hospital Coverage

CZ was founded in 1930 and has grown into one of the strongest health and general insurance companies in the Netherlands. Their main office is at CZ Groep, Ringbaan West 236, 5038 KE Tilburg, Netherlands.

CZ has 3.7 million customers, making it one of the top three Dutch insurers by market share. Because many expats worry about hospital networks, CZ stands out with partnerships across all major hospitals, including university hospitals in Amsterdam, Rotterdam, Utrecht, and Groningen.

Their policies include:

• Standard and premium health insurance packages.
• International health coverage for foreigners who travel frequently.
• Customer support in multiple languages.

CZ also has around 65 service outlets, which help expats who prefer in-person advice.

4. Menzis

Best Affordable Insurance Provider for Foreign Students

Menzis, founded in 1836, is a cooperative insurer known for friendly pricing. Their head office is located at Menzis, Nieuwe Stationsstraat 12, 7501 AT Enschede, Netherlands.

With 2.2 million customers, Menzis appeals to expats who want lower premiums while still getting solid coverage. International students, digital nomads, researchers, and freelancers prefer Menzis because their policies are straightforward.

Menzis provides:

• Affordable basic health insurance.
• Optional supplementary insurance for dental and physical therapy.
• Discounts for young adults and students.

Although they operate mainly in eastern Netherlands, their nationwide hospital access makes them attractive to foreigners regardless of where they live.

5. Aegon Netherlands

Best for Life and Investment Insurance for Expats

Aegon is a global insurance giant founded in 1983, with roots that go back to the 1800s. The Dutch headquarters is at Aegon Nederland, Aegonplein 50, 2591 TV The Hague.

Aegon serves more than 30 million clients worldwide, and in the Netherlands, it focuses heavily on life insurance, pensions, and investment products. Because many expats want long-term policies, Aegon offers flexible plans that continue even if the policyholder relocates.

Aegon’s policies include:

• Life insurance (term and whole-life).
• Income protection insurance.
• Retirement products for Dutch and international residents.
• Home and car insurance through partners.

Aegon’s market capitalization is more than €9.5 billion, which provides confidence to foreigners seeking stability.

6. NN Group (Nationale-Nederlanden)

Best for Expats Seeking Multi-Policy Bundles

NN Group, commonly known as Nationale-Nederlanden, is one of the largest Dutch financial services companies. Established in 1845, it offers insurance, mortgages, pensions, and investment products. Their main office is at  NN Group, Schenkkade 65, 2595 AS The Hague.

NN serves over 20 million customers in Europe. Expats love NN because their multi-policy bundles combine home insurance, liability insurance, and car insurance under one platform. This is helpful for expats who want a simple structure while settling in a new country.

Key policies include:

• Car insurance with flexible coverage levels.
• Home and household contents insurance.
• Life and pension plans.
• Business insurance for foreigners starting companies.

NN Group has a market capitalization of €11 billion, making it one of the most financially stable Dutch insurers.

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7. ONVZ 

Best Premium Health Insurance for High-Earning Expats

ONVZ was founded in 1933 and is headquartered at ONVZ, Houttuinlaan 4, 3447 GM Woerden, Netherlands.

ONVZ serves around 450,000 clients, focusing on premium health insurance products. Because the policies are more high-end, internationals working in corporate environments often choose ONVZ for additional comfort.

Their major strengths include:

• Excellent international coverage.
• Access to private clinics.
• Fast reimbursement and personalized service.

Although they have fewer customers, ONVZ targets a niche market that values exclusivity.

8. DSW

Best Expats-Friendly Health Insurance with Transparent Pricing

DSW is a smaller but highly trusted insurer headquartered at: DSW Zorgverzekeraar, Henk van Riessenlaan 1, 3115 HB Schiedam, Netherlands.

Founded in 1987, DSW serves around 650,000 policyholders. Expats praise DSW for transparent pricing and straightforward contracts. Although they primarily operate in Zuid-Holland, they offer nationwide hospital access.

DSW’s strength comes from:

• Clear policy wording in English.
• Fast claims processing.
• Strong customer satisfaction ratings for eight consecutive years.

Foreign workers and students find DSW ideal because of simplified onboarding and no unnecessary add-ons.

9. FBTO 

Best Digital Insurance Provider for Tech-Savvy Expats

FBTO is a modern insurance company under Achmea Group. Founded in 1956, FBTO is headquartered at: FBTO, De Friese Poort 5, 8912 AE Leeuwarden, Netherlands.

FBTO has more than 800,000 customers and is known for its customizable digital insurance experience. Expats who prefer managing everything online often choose FBTO.

Their policies allow you to build coverage based on your lifestyle. Although options are digital-first, customer support is available in English, which helps new residents.

FBTO offers:

• Car insurance with flexible modules.
• Home and household contents insurance.
• Travel insurance for frequent travelers.
• Health insurance through Achmea brands.

Because the platform is digital, premiums are lower, making FBTO popular among young expats.

10. OHRA

Best for Expats Seeking Fast Digital Claims

OHRA was founded in 1925 and operates under NN Group. Their headquarters is located at OHRA, Prinses Beatrixlaan 35, 2595 AK The Hague.

OHRA has more than 1 million customers across different insurance categories. Expats often choose OHRA because claims are processed almost instantly through the mobile app. This is especially useful for car and home insurance.

OHRA’s key offerings include:

• Pet insurance which attracts foreigners with pets.
• Car and travel insurance.
• Health insurance via NN Group partners.

OHRA has built a reputation for its “no-frustration” policy structure, which is simple enough for newcomers.

Health Insurance Quote Comparison from Top Insurance Companies in the Netherlands

Below is a clear comparison table of monthly and annual basic health insurance quotes (EUR) from the five top Dutch insurance providers. These figures are the announced basic package premiums. Actual prices depend on age, voluntary deductible, and personal choices.

Insurer (brand/group)	Typical monthly premium (Basic package)	Typical annual cost (EUR)	Notes
Zilveren Kruis (Achmea)	€156.25 / month	€1,875.00 / year	Zilveren Kruis (Achmea) announced a modest increase for 2025; the official site explains basic coverage.
VGZ	€157.30 / month	€1,887.60 / year	VGZ’s published 2025 basic premium; the site includes calculators for personal quotes.
CZ (CZdirect reference)	€159.99 / month (CZ mainstream) — CZdirect basic offers lower options (example: €136.45 with a higher voluntary deductible).	€1,919.88 / year (mainstream)	CZ’s standard basic premium was one of the higher announced rates for 2025; CZdirect shows a lower digital option if you accept a higher voluntary deductible.
Menzis	€156.25 / month	€1,875.00 / year	Menzis lists several basic variants (natura, restitutie, combinatie) — use their premium tool for personal pricing.
DSW	€158.50 / month	€1,902.00 / year	DSW was the first to publish its 2025 premium; it’s often used as an early market indicator

A Quick Note About the Health Insurance Quotes in the Netherlands

• These amounts reflect the basic compulsory package (Zorgverzekeringswet). Therefore, benefits are the same by law, but premiums differ between insurers and plan types.
• You can lower the monthly premium by choosing a higher voluntary deductible (eigen risico). For example, CZdirect shows a lower monthly figure when you select the higher voluntary excess.
• Premiums are published annually (insurer announcements in autumn). They are subject to change and vary by age, location, and optional add-ons (dental, physiotherapy, travel). For the most accurate quotes, use each insurer’s premium calculator.

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Final Thoughts

When you relocate to the Netherlands, selecting the right insurance company should be one of your first steps. The Dutch insurance system is stable, but each provider has its strengths. Therefore, expats should choose based on their lifestyle, income level, and long-term plans.

Achmea and VGZ are great for health insurance. Aegon and NN Group are perfect for long-term financial planning. ONVZ and DSW work well for specific expat demographics. Meanwhile, FBTO and OHRA are ideal for tech-savvy foreigners who want a digital experience.

Because these top 10 insurance companies in the Netherlands combine strong financial stability, easy onboarding for foreigners, and transparent premium structures, expats can feel confident choosing from this list.