Europe · Country guide
Netherlands Insurance & Finance System Guide
AFM conduct supervision with mandatory health-insurance features.
Healthcare & health insurance
Residents generally need qualifying basic health insurance, with a statutory excess and optional additions.
Insurance & consumer routes
AFM oversees conduct, DNB prudential matters and Kifid handles many eligible disputes.
Mortgages & home finance
Mortgage interest structure and tax treatment require current advice.
Retirement planning
State pension and occupational pensions are important components.
Practical verification
Before making a decision in Netherlands
Before buying insurance
- Confirm the provider and intermediary on the appropriate official register.
- Compare scope, limits, deductibles or excesses, exclusions and waiting periods.
- Check cancellation, renewal, disclosure and complaint terms.
Before financing property
- Model the full housing cost, not only the advertised interest rate.
- Check taxes, insurance, fees, maintenance and rate-reset risk.
- Verify legal, residency and lending requirements locally.
After moving country
- Review healthcare eligibility and any coverage gap immediately.
- Replace invalid origin-country insurance and update licences or registrations.
- Coordinate pensions, tax residence and beneficiary records.
Complaint preparation checklist
Keep the policy or agreement, a dated chronology, copies of correspondence, evidence of loss or payment and the outcome you are requesting. Begin with the provider's formal process, then use the eligible external body shown in the Authorities & Complaint Directory.
Reviewed September 2026. General information only; verify current eligibility, tax, policy and regulatory requirements.