If you come to live and work in the Netherlands, it is compulsory for you to take out healthcare insurance as soon as you start paying tax here as well. 
Some employers assist in chosing the  healthcare insuarance and have a collective scheme, however it is your responsibility as an individual to take care of  healthcare insurance yourself.

The following problems may occur when taking out insurance:

 

• Once you have arrived in the Netherlands, it can sometimes take a long time before you are allocated a Citizen Service Number (Burgerservicenummer, or BSN). Most insurers do not accept insured without a BSN number, which is why it is important for you to contact us;
• A visa application can also take longer than expected. Legal proceedings then have to be commenced and these can drag on for months. Without a visa you cannot, in principle, take out healthcare insurance.

Just imagine being uninsured if you are involved in an accident or become ill and have to pay the medical and/or hospital expenses out of your own pocket. This is naturally a situation that no one wants to be in and it can lead to considerable financial loss. An operation costs thousands of Euros a day, so that follow-up treatment will cost many times this amount.

The Netherlands has an outstanding public transport system. And yet many professionals prefer an automobile, which then naturally has to be well insured. "Well insured" does not just mean excellent cover, but also thinking along with you as the insured. If your car is damaged or breaks down for example, make sure that alternative transport is offered to you so that can still turn up for work on time!

Personal liability is still a frequently underestimated insurance. Cost is not an obstacle, since you are fully insured for around € 3.00 a month. The policy provides cover when you accidentally cause damage to other people's property, when you sit on your colleague's glasses for example, or run your shopping trolley into someone else's automobile in the supermarket car park!

Once you have found the right house, you naturally want to furnish it to your own taste. At the same time, bad luck can happen to anyone. Theft, for example, is still a problem in the Netherlands unfortunately - certainly in the cities. But a household contents policy assures you of compensation for the loss sustained. Fire and water damage also fall under our extended cover and what is more, all your possessions are insured for replacement value!

Source of information Kendall Mason B.V.