A Guide to Health and Safety in the Netherlands

2024 is coming to a close which means the deadline to choose your health insurance plan for 2025 is here.  In the Netherlands, health insurance is mandatory for everyone who lives or works in the country. This guide combines essential information on Dutch health insurance and the Risk Assessment & Evaluation (RI&E) process for businesses, therefore ensuring you’re well-prepared for health and safety when it comes to your Dutch adventure. 

Here’s what you need to know: 

The Basics of Dutch Health Insurance 

• All residents must take out Dutch health insurance within 4 months of arrival. 

• The standard package covers most primary care needs, including GP consultations, hospital treatments, and prescriptions. 

• Additional insurance for services like dental care is optional but can be beneficial. 

Understanding the Costs 

• The government sets a mandatory deductible excess (eigen risico), which will remain at €385 for 2025. 

• You can opt for a voluntary deductible up to €885 for a lower premium. 

• Low-income individuals may be eligible for healthcare allowance (zorgtoeslag). 

How to Obtain Dutch Health Insurance 

1. Arrange your residence permit and work permit (if necessary). 

2. Register with the municipality to get your BSN (citizen service number). 

3. Apply for DigiD, the digital identity platform for government services. 

4. Take out health insurance as soon as possible upon arrival. 

5. Register with a local GP (huisarts). 

Important Considerations 

• Compare insurance packages using English-language comparison tools. 

• You can only change insurance providers at the end of each year. 

• Failing to obtain insurance can result in fines and penalties. 

RI&E: Ensuring Workplace Health and Safety 

For businesses operating in the Netherlands, creating a health and safety plan based on the Risk Assessment & Evaluation (RI&E) is essential. 

What is RI&E? 

RI&E is a mandatory process for businesses to develop a comprehensive health and safety plan, consisting of: 

1. A list of all health and safety risks in the workplace. 

2. An action plan to mitigate or eliminate these risks. 

Key Components of RI&E in Health and Safety

• Risk Identification (Risico Inventarisatie): Systematically assess all potential hazards in the work environment. 

• Risk Evaluation (Risico Evaluatie): Assess the severity and likelihood of identified risks. 

• Action Plan (Plan van Aanpak): Develop a detailed plan to address and reduce risks. 

Implementing RI&E in Your Business 

• Appoint a health and safety officer (preventiemedewerker) to facilitate the RI&E process. 

• For businesses with 25 or more employees, the RI&E must be reviewed by staff representatives and a workplace safety inspector. 

• Consider working with external health and safety experts for support. 

Benefits of a Robust Health and Safety Plan 

• Fewer workplace accidents and incidents. 

• Lower absenteeism rates. 

• Improved productivity and employee satisfaction. 

• Legal compliance and avoidance of penalties. 

More resources for Health and Safety

When you understand both Dutch health insurance requirements and workplace safety regulations, you can then be well-positioned for success in the Netherlands. Whether you are an individual seeking work or a business owner, if you prioritising health and safety you are then contributing to a positive and productive experience while living and working in the Netherlands. For more detailed information, visit: 

• Dutch Health Insurance 101: A Beginner’s Guide 

• EXPLAINED: Health Insurance in the Netherlands 

• What You Need to Know About RI&E Health and Safety Plan for Your Business in the Netherlands 

How can we help? 

Octagon Professionals has been assisting international businesses in navigating their operations in the Netherlands for over 30 years. We understand that establishing or expanding a business in a new country can be complex and overwhelming. Our team of HR and compliance experts is here to help you get up and running efficiently to ensure your full compliance. Have a question or challenge? Reach out to us, and we’ll provide the support you need!