Housing & healthcare
Arrange a place to live and understand healthcare cover, payments and deductions.
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Useful tools
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Housing and healthcare each have their own rules. Use the housing guides for your tenancy, deposit and service costs. Use the healthcare route for insurance and benefits. Temporary protection from Ukraine has a separate healthcare route; it is relevant to that status, not to every visitor.
Practical guides
Housing, rent and your employer
Check the rental agreement, costs and what happens when a job ends.
Health insurance when you work in the Netherlands
Check the standard insurance route and the separate RMO rules for temporary protection.
- Zorgtoeslag: help with Dutch health insurance costs
- Eigen risico: the Dutch health insurance deductible
- Registering with a GP in the Netherlands
- EHIC or Dutch health insurance when you start work?
- A1 certificates for posted workers
For people with temporary protection from Ukraine
Ukraine: work, temporary protection and RMOQuestions people ask
Can the employer arrange housing and deduct the cost?
Housing can be arranged through work, but deduction rules and rental protections still apply. Ask for the rental agreement, authorisation and the legal basis of the deduction instead of assuming every payroll charge is allowed.
Can the landlord keep the deposit without explanation?
Ask for the written specification required for deductions. A vague statement that cleaning or administration was needed is not enough to evaluate the charge.
Does a foreign insurance card settle the question?
Not always. An EHIC is not a substitute for checking insurance obligations when you start work or move. Ask the insurer or SVB about your actual residence and work situation.
Can agency workers receive zorgtoeslag?
Employment through an agency does not itself exclude you. The insurance, income, assets and other benefit conditions still have to be met.