Insurance for entry to the Netherlands: who needs it, rules for different visa categories, and where to buy it?

Are you planning a trip to the Netherlands? One of the most important aspects of preparation is obtaining insurance, which is mandatory for certain categories of people, depending on the type of visa and length of stay. Find out more about the rules for obtaining travel insurance for the Netherlands and where to buy it

An insurance policy is a guarantee of your safety and peaceful stay outside Ukraine

BUY

The Netherlands is one of the most popular countries for tourists, students, businessmen and those looking for new opportunities abroad. However, before travelling to this country, it is important to take care of insurance. Insurance for entry to the Netherlands is mandatory for certain categories of people and depends on the type of visa and length of stay.

Who needs to take out insurance, what are the requirements for policies, and where you can buy medical and travel insurance for a trip to the Netherlands - we will tell you further in the article.

Emigration to the Netherlands for Ukrainians: about visas, residence permits and work permits - read here.

Detailed information on what you need to know before moving to the Netherlands can be found here:

- Travelling to the Netherlands for tourism purposes;

- Work in the Netherlands;

- Immigration to the Netherlands;

- Study in the Netherlands;

- Temporary protection in the Netherlands.

Protect yourself while travelling!

Apply for travel insurance online in 5 minutes on Visit Ukraine!

Who needs insurance to enter the Netherlands?

- Tourists. For short-term trips, including tourist trips, insurance is mandatory. It allows you to cover the costs of medical care in case of illness or accident during your stay in the Netherlands. Visitors planning a trip of up to 90 days must have a policy that meets the requirements of the Schengen Agreement. It is worth noting that the Netherlands is tightening border controls. Read what travellers should know here.

- Students. For people coming to the Netherlands to study, insurance is a prerequisite for obtaining a visa. In addition to compulsory health insurance, students must have policies that cover medical expenses throughout the Netherlands and include coverage for accidents, illnesses and hospitalisations.

- Employees. If you plan to work in the Netherlands, you will also need to take out health insurance. For working Dutch residents, this is insurance provided by the state system. However, for those who stay in the country temporarily, for example, on a contract basis, insurance is mandatory. We tell you how to apply for a work visa to the Netherlands while abroad here.

- Travelling on a visa-free basis. If you are travelling on a visa-free basis within the Schengen area, insurance is not mandatory, but highly recommended. The policy will allow you to avoid large expenses for treatment if necessary, as medical services can be quite expensive.

- Local insurance for refugees. If you are granted refugee status in the Netherlands, the country provides health insurance for people who do not have other sources of insurance. However, this insurance is limited to the territory of the Netherlands and does not cover the costs of treatment abroad.

Read here to find out when Ukrainians need a visa to the Netherlands and how to apply for it.

Don't want to miss important updates and useful articles? Subscribe to our weekly newsletter!

Green Card for a car to enter the Netherlands

If you are planning to travel to the Netherlands by car, it is a prerequisite to obtain a Green Card policy, as without it, you cannot cross the border. It is necessary to ensure safety and cover expenses in case of an accident or other unforeseen situations.

For more information on how to get to the Netherlands by car, the current rules and documents for Ukrainians, please follow this link.

On the Visit Ukraine portal, you can apply for a Green Card online in just a few minutes.

General requirements for insurance policies for short and long term trips

The Schengen area sets general requirements for policies that must cover a minimum of €30,000 for medical treatment, including hospitalisation, evacuation if necessary, and repatriation.

For short-term trips, the policy must cover the entire period of stay in the Netherlands, including additional medical expenses.

For long-term trips, such as study or work, the requirements may be stricter. The policy must cover not only emergency medical care, but also the costs of treating chronic illnesses or psychological care.

Read about the new conditions for long-term residence for Ukrainians in the Netherlands here.

What kind of insurance can I get in the Netherlands?

- Local insurance. The Netherlands offers local insurance for people who plan to stay in the country for a long period of time (for example, to work or study). However, this option has some limitations, such as high cost and lack of coverage outside the Netherlands. Therefore, for those who plan to travel or stay in other countries, such insurance will not be sufficient.

- Obtaining insurance through Ukrainian insurers. Many Ukrainian insurance companies provide the opportunity to take out insurance for travelling to the Netherlands that meets the requirements of the Schengen Agreement. This allows you to obtain a policy that covers medical expenses throughout the Schengen area, which is a convenient option for tourists or businessmen planning to travel between different countries.

Read more about the cost of living in the Netherlands here.

What does the insurance cover that can be issued at Visit Ukraine?

When choosing an insurance policy for a trip to Netherlands, it is important to understand what risks are covered by different insurance options. Visit Ukraine offers both medical and travel insurance policies that meet all the requirements of the Schengen Agreement and provide financial protection in case of unforeseen circumstances during your stay in Netherlands.

Health insurance on the Visit Ukraine portal

The health insurance policies available on Visit Ukraine provide comprehensive protection during your stay in Netherlands, including emergency medical care, COVID-19 treatment, and reimbursement of transportation costs in case of emergency.

The Europe Classic policy provides basic coverage:

- Emergency outpatient and inpatient care.

- Diagnosis and treatment of COVID-19 if medically indicated.

- Coverage for medical transportation to the nearest medical facility.

- Insurance in case of an accident.

- Emergency dental care.

- Costs of repatriation of the body in case of death abroad.

The Europe Classic Plus policy provides extended coverage, including all the benefits of the Classic policy with additional services, such as

burial arrangements abroad and extended protection in case of emergency.

Travel insurance on the Visit Ukraine platform

If you are planning a short-term trip to Netherlands, you can choose from a variety of travel insurance options with different levels of protection.

The Europe Basic policy includes:

- Treatment and diagnosis of COVID-19.

- Medical assistance in case of an accident.

- Repatriation of the body in case of death.

- Emergency medical, obstetric and dental care.

- Medical evacuation in case of emergency.

Europe Comfort policy provides extended insurance coverage and additionally includes:

- Expenses for defence of the insured person's rights and legal advice.

- Compensation in case of flight delay or cancellation.

- Coverage of expenses for restoration of documents in case of their loss or theft.

- Protection in case of loss of luggage.

The most comprehensive coverage is offered by the Europe VIP policy, which, in addition to all the above services, includes

- Legal protection in the event of an accident.

- Organisation of delivery to the destination in case of car breakdown.

- Comprehensive support in case of loss or theft of documents.

How much does insurance cost on Visit Ukraine?

Health insurance

Travel insurance

Why is it worth taking out travel insurance for a trip to Netherlands on Visit Ukraine?

- A wide range of insurance programmes adapted to the different needs of travellers - from tourist trips to long-term stays.

- Instant online registration.

- Affordable tariff plans with transparent pricing conditions and no hidden fees.

- Round-the-clock customer support to help you solve any situation during your stay in Germany.

- Guaranteed quality of insurance services from trusted companies.

Planning a trip abroad?

Take out travel insurance on Visit Ukraine and ensure peace of mind during your trip. Visit Ukraine offers convenient online registration, affordable prices and coverage that meets the requirements of the Schengen area. You will receive a policy that covers medical expenses not only in the Netherlands but also in the entire Schengen area.

Apply for health insurance on the Visit Ukraine portal now and travel without worries!

Just a reminder! Ukrainians in the Netherlands can obtain a residence permit after the expiry of temporary protection, but they must meet a number of requirements. Read about all the possible grounds for residence permit in the Netherlands, the required documents and step-by-step instructions for applying here.

Photo: Depositphotos

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

© 2018-2025, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.