Providing a suitable solution for both local and international health coverage for your international workforce in the Netherlands can be challenging. Where international Health cover might seem sufficient, the local requirements for your workforce in the Netherlands might require additional local coverage.

Anyone living and working in the Netherlands must arrange basic health insurance with an insurer who is registered in the Netherlands – within 4 months of arriving in the country.

Choices NL plan
Alexander Beard International Benefits, Expacare and ONVZ again have joined forces in 2018 to offer a full international medical insurance plan, which also provides compliant local cover in the Netherlands.

The Choices NL Plan has been designed for expatriates who will be residing in the Netherlands – and must therefore meet the requirement to have local health cover – but who also want to enjoy the benefits of comprehensive international medical insurance.

Interested to see how this plan could solve your local and international Health coverage issues?

Please go to:

Or contact us directly at

Bram Bogaard
Managing Director: Europe – AB International Benefits B.V.

Changes per January 1st 2017 in the Netherlands

Employers pay annual premiums to the Tax Authorities for permanent and temporary employees for the cost of long term disabled employees. The differentiated Whk (employment continuation funds) premium. The reintegration assistance is done by the UWV, as well as the long term benefit payments.