Living across borders · underwriting · territorial limits
Expat Pakket Individueel
An expat package bundles the covers that a Dutch policy precisely does not offer once you live outside the Netherlands for a longer period. The moment of application matters more than the premium.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Expat Pakket Individueel.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
An individual expat package is intended for someone leaving for another country in their own right, or settling in the Netherlands for a fixed period: a self-employed person, a retired person, an accompanying partner or a student. The package usually combines medical costs with liability, home contents, personal accident and legal expenses, each in a version that is not tied to a Dutch home address. Finass acts as intermediary here for De Goudse and for specialist providers such as OOM, and compares the conditions objectively.
The reason you need such a package lies in the concept of residence. Dutch policies assume a fixed home or place of residence in the Netherlands. If you deregister with the municipality, the obligation to hold basic health insurance ends and the home contents, liability and legal expenses policies lose their basis as well. Annual travel insurance does not fill that gap: it has a maximum uninterrupted trip duration and assumes a return home.
Arrange your application before you leave or arrive. Private medical cover involves medical underwriting based on a health declaration. Under Article 7:928 of the Dutch Civil Code that declaration must be complete and correct. If it turns out afterwards that a condition was concealed, the insurer may under Article 7:930 of the Dutch Civil Code limit or refuse the payment entirely. If you are coming to the Netherlands, bear in mind that the IND and many employers ask for proof of cover before the stay is finalised; see also insurance for expats in the Netherlands.
This page deals with one situation. The full overview is on SME insurance package.
What to look out for
Four points that go wrong with an individual package more often than the choice of the type of cover.
Where the policy applies is narrowly defined
The policy names the area for which it applies, often in the form worldwide with or without the United States and Canada. Those two countries are named separately because healthcare costs there call for their own pricing. If you move to another country or start working there long-term, that is a change you have to report. The cover does not follow you automatically.
Waiting periods and pre-existing conditions
Excluded as standard are conditions that already existed at the start unless they have been expressly accepted. For pregnancy and childbirth a waiting period almost always applies, and dental treatment is usually in a separate module with a maximum of its own. Treatment without recognised medical necessity, including cosmetic procedures, also remains outside the cover.
Repatriation and stays in the Netherlands
Medical transport to the Netherlands, repatriation after death and a family member travelling out are separate sections with their own conditions. Also watch out for treatment during leave in the Netherlands: that is often tied to a maximum number of weeks a year or requires prior approval. So do not schedule a planned procedure during a period of leave without checking first.
Contents in transit and at the new destination
The transport of your household goods is not a contents loss but a transit risk and calls for separate removals cover. At the destination itself, local security requirements apply. If a proper lock is missing or the home stands empty for longer, theft is paid only in part or not at all. Declare unusual possessions such as jewellery and equipment separately.
What does your premium depend on?
- Country of destination: the level of local healthcare costs weighs most heavily
- Age and household composition: insurers apply age limits to new applications
- Outcome of the medical underwriting: can lead to an exclusion or a loading
- Level of cover chosen: from emergency care to full medical costs
- Excess per insurance year: a higher excess noticeably lowers the premium
- Length of stay: posted temporarily or settled permanently
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| You break your ankle in your new country of residence and have emergency surgery there | Yes | Yes |
| Your local doctor prescribes a chronic medicine that you collect every month | No | Yes |
| After a sports injury you need ten physiotherapy sessions | No | Provided that |
| Your dog bites a neighbour in your new home town and he claims his costs from you | No | Yes |
| You fall into dispute with your local landlord about the return of the deposit | No | Provided that |
| You are unable to work with mental health problems and start a course of treatment in the host country | No | Provided that |
What you choose at the outset determines the cover for the whole period of the posting; extending it during your stay requires underwriting again.
Frequently asked questions
This is what people ask us most.
Can I keep my Dutch health insurance?
Only for as long as you remain subject to the insurance obligation. On permanent deregistration that obligation ends, and with it the basic insurance. If you live in an EU or treaty country and receive a Dutch benefit or pension, a treaty arrangement may apply. Outside those situations you need private cover; have it established before you leave.
What happens if I return to the Netherlands?
On registering with the municipality you become subject to the insurance obligation again and must take out basic health insurance within the statutory period. The expat package then ends. Report your return in good time, because a period of double insurance produces no double payment and a period without cover can lead to a fine.
Does my liability cover simply travel abroad with me?
Not automatically. Dutch personal liability insurance (AVP) covers damage during a temporary stay abroad, but not permanent residence. The package therefore contains liability cover set up for life abroad. Damage caused with a motor vehicle remains excluded there too. For that, the insurance obligation of the country where the vehicle is registered applies.
What is excluded because of local circumstances?
Virtually every policy excludes loss connected with war, insurrection and armed conflict, and limits cover in areas subject to a negative travel advisory. Taking part in dangerous sports and the consequences of excessive use of alcohol or drugs also remain outside the cover. Check the travel advisory before you leave and when the policy is renewed.