Dental insurance in the Netherlands: compare all insurers (2026)
Dutch basic health insurance (basisverzekering) does not pay for regular dental care for adults. Check-ups, fillings, root canal treatment and crowns are only reimbursed if you add dental insurance (tandartsverzekering) to your health insurance. In 2026 a dental module costs roughly €7 to €80 a month and reimburses €100 to €1,500 a year. Children under 18 are covered by basic insurance for most dental care.
On this page you compare the dental insurance of all Dutch health insurers, see which insurers offer service in English, and read how to take out cover as an expat or international student.
Dental insurance 2026 compared
- Module: Tand Basis €250 – 75% reimbursed
- No medical questions asked
- Crowns and implants are not covered
- No English pages found – service in Dutch
Cover and conditions
Requires FBTO basic health insurance. Check-ups and fillings are reimbursed at 75%, up to €250 per calendar year. Crowns, bridges and implants are not covered by this module. Immediate acceptance, no waiting period.
- Module: TandExtra – 75% reimbursed, up to €250 a year
- Free dental accident cover included
- No English pages found – service in Dutch
Cover and conditions
Runs on VGZ conditions and requires UnitedConsumers basic health insurance. No dental screening. A €500 module (TandZeker 500, 80%) is available for €28.50 a month.
- Module: TandBewust – 75% of regular dental care
- 10% discount through employer schemes
- Cleaning covered up to 30 minutes
- English information page and English-speaking advisers; letters in Dutch
Cover and conditions
Requires a.s.r. basic health insurance. Covers regular dental care at 75% up to €250 a year; specialist dental care is not covered. TandBeter (€16.50) reimburses 100% up to €250.
- Module: Zorg Tand, with the Zorg Voordelig policy – 80% reimbursed
- Dental accidents covered up to €20,000
- English information and 2026 documents; premium calculator in Dutch
Cover and conditions
Only available with the Zorg Voordelig basic policy. Reimburses 80% of dental care up to €250 a year. The separate TandenGaaf €250 module (75%) costs €15.75 and can be combined with other NN policies.
- Module: AV Tand Opstap, with the Zelf Bewust policy – 80% reimbursed
- No waiting period
- No English 2026 documents found – service in Dutch
Cover and conditions
Requires De Friesland basic health insurance. Reimburses 80% of dental care, including crowns and implants, up to €250 a year. Immediate acceptance. AV Tand Doorstap (€500) costs €27.25 a month.
- Module: Tand Sterk €250 – 75% reimbursed
- No medical screening
- Dental accidents covered up to €20,000
- English 2026 policy documents and a paper application form in English
Cover and conditions
Requires OHRA basic health insurance (€159.55 a month in 2026). Check-ups and other dental care are reimbursed at 75% up to €250 a year; crowns and implants are not covered by this module. Tand Gaaf €325 (from €15.95) does include them.
- Module: Tand 75% €250
- €500 of cover costs €31.35 a month
- English terms and conditions; website in Dutch
Cover and conditions
Anderzorg is the online brand of Menzis and requires an Anderzorg basic policy. Dental care is reimbursed at 75% up to €250 a year.
- Module: Tand – 75% reimbursed, up to €250 a year
- One straightforward dental module, no tiers to choose from
- Dutch only and no telephone line – contact by e-mail and chat
Cover and conditions
Requires a VinkVink basic policy. A single dental module reimburses 75% of dental care up to €250 a year.
- Module: Tand 1 ster – check-ups 100%, other care 75%
- Dental accidents covered up to €2,000
- €14.50 a month up to age 29, €14.95 from age 30
- English information pages and app; premium calculator in Dutch
Cover and conditions
Only available with the Basis Zeker or Basis Exclusief policy. Check-ups are reimbursed in full, other dental care including crowns and implants at 75%, up to €250 a year. Immediate acceptance; a waiting period applies only to orthodontics for children.
- Module: TandVerzorgd 250 – check-ups 100%, other care 75%
- Dental accidents covered up to €10,000
- English website; premium calculator partly in English
Cover and conditions
Requires Menzis basic health insurance. Check-ups are reimbursed in full and other dental care at 75%, including laboratory costs, up to €250 a year. TandVerzorgd 500 costs €22.65 a month.
- Module: Tand Small – check-ups 100%, other care 75%
- No waiting period
- No English pages found – service in Dutch
Cover and conditions
Check-ups are reimbursed in full and other dental care, including crowns and implants, at 75% up to €250 a year. Immediate acceptance. Tand Medium (€500) costs €26.95 a month.
- Module: TandExtra – check-ups 100%, other care 75%
- €500 of cover: TandPlus at €31.50 a month
- No English pages found – service in Dutch
Cover and conditions
Requires Salland basic health insurance. Check-ups are reimbursed in full and other dental care at 75%, up to €250 a year.
All insurers and modules at a glance
| Insurer | Module (about €250 cover) | Premium per month | Reimbursement | English service | |
|---|---|---|---|---|---|
| De Friesland | AV Tand Opstap (with Zelf Bewust Polis) | €13.75 | 80% up to €250 | No English 2026 documents found | Calculate premium ↗ |
| OHRA | Tand Sterk €250 | €13.75 | 75% up to €250 (no crowns or implants) | English 2026 documents and paper application form | – |
| Anderzorg | Tand 75% €250 | €14.25 | 75% up to €250 | English terms and conditions, website in Dutch | Calculate premium ↗ |
| VinkVink | Tand | €14.45 | 75% up to €250 | Dutch only, no phone line | Calculate premium ↗ |
| Zilveren Kruis | Tand 1 ster | €14.50 (18–29) · €14.95 (30+) | Check-ups 100%, other 75%, up to €250 | English information pages and app, calculator in Dutch | Calculate premium ↗ |
| Menzis | TandVerzorgd 250 | €14.60 | Check-ups 100%, other 75%, up to €250 | English website, calculator partly in English | Calculate premium ↗ |
| De christelijke zorgverzekeraar | Tand Small | €15.25 | Consultations 100%, other 75%, up to €250 | No English pages found | Calculate premium ↗ |
| UnitedConsumers | TandZeker 250 | €15.35 | 80% up to €250 | No English pages found | Calculate premium ↗ |
| Nationale-Nederlanden | TandenGaaf €250 (75%) | €15.75 | 75% up to €250 | English information and 2026 documents, calculator in Dutch | Calculate premium ↗ |
| a.s.r. | TandBeter | €16.50 | 100% up to €250 | English information page and advisers, letters in Dutch | Calculate premium ↗ |
| FBTO | Tand €250 | €16.75 (18–26) · €16.95 (27+) | 100% up to €250 | No English pages found | Calculate premium ↗ |
| Salland | TandExtra | €17.50 | Check-ups 100%, other 75%, up to €250 | No English pages found | Calculate premium ↗ |
Premiums per month for 2026, for adults, without group discount. You can only take out these modules together with basic insurance from the same insurer. The links go to the insurer's premium calculator, which is usually in Dutch. At the top are insurers we work with through an affiliate network, from lowest to highest premium; see how we compare. English service checked on the insurers' own websites on 11 September 2026.
Other insurers (no partnership)
| Insurer | Module | Premium per month | Reimbursement | English service |
|---|---|---|---|---|
| ZieZo | Tand 1 | €12.95 (18–29) · €14.25 (30+) | Consultations 100%, other 75%, up to €250 | English information page |
| CZdirect | Tand 250 | €13.50 | Check-ups 100%, other 75%, up to €250 | English pages |
| Interpolis | GebitActief €250 | €13.50 (18–29) · €14.50 (30+) | Consultations 100%, other 75%, up to €250 | English 2026 conditions, website in Dutch |
| ONVZ | Tandfit A | €13.90 (incl. 7% member discount) | 100% up to €200 | Service in English, English application link |
| Univé | Tand Goed | €15.50 | Check-ups 100%, other 75%, up to €250 | English reimbursement table |
| VGZ | Tand Goed | €15.85 | Check-ups 100%, other 80%, up to €250 | English information page and app |
| Zorg en Zekerheid | AV-Standaard (dental included) | €25.55 | Check-ups 100%, other 75%, up to €150 | English information pages, online shop in Dutch |
| CZ | Tandarts | €27.00 | Check-ups 100%, other 75%, up to €450 | English website and 2026 conditions |
| Stad Holland | Standaard AV (dental included) | €28.50 | Up to €250 | English-speaking customer service |
| DSW | AV-Standaard (dental per treatment type) | €29.00 | Check-ups and root canals 100%, fillings 100% up to €250, no crowns | English-speaking customer service and app, website in Dutch |
What does basic health insurance cover at the dentist?
| Treatment | Under 18 | 18 and older |
|---|---|---|
| Check-ups, cleaning, X-rays, fluoride and sealing | Covered | Not covered |
| Fillings, root canal treatment, extractions | Covered | Not covered |
| Crowns, bridges and implants | Not covered, except for missing or lost front teeth | Not covered (implants only to hold dentures in a severely shrunken toothless jaw) |
| Braces (orthodontics) | Not covered, except for very severe developmental disorders | Not covered |
| Full dentures | – | Covered, with a 25% own contribution |
| Specialist oral surgery | Covered | Covered, deductible applies |
The compulsory deductible (eigen risico, €385 in 2026) does not apply to dental care for children or to dental insurance. It does apply to the dental care adults receive from basic insurance, such as dentures and specialist oral surgery.
Is dental insurance worth it?
Dentists in the Netherlands may not charge more than the maximum tariffs set by the Dutch Healthcare Authority (NZa). A routine check-up with two small X-rays and 10 minutes of cleaning costs at most €104.15 in 2026. If that is all you need, a €250 module costing €120 to €210 a year usually costs more than it pays out. Dental insurance starts to pay off when you expect a filling, a root canal treatment or a crown.
| Treatment (NZa maximum tariffs) | 2026 | 2027 |
|---|---|---|
| Check-up with 2 small X-rays and 10 minutes of cleaning | €104.15 | €107.31 |
| Two-surface composite filling with anaesthesia | €112.52 | €115.94 |
| Root canal treatment, 3 canals | €559.58 | €570.40 |
| Crown, excluding technical costs (€150 to €800) | €463.59 | €477.65 |
| Implant with crown, excluding technical costs | €1,472.94 | €1,528.16 |
Do the maths: with the dental insurance calculator you see what you would get back per module. All prices per treatment are on dentist costs in the Netherlands.
How dental insurance works in the Netherlands
- It is supplementary insurance. Dental insurance is an aanvullende verzekering on top of basic insurance. Almost every insurer, including Zilveren Kruis, FBTO, CZ, VGZ, Menzis, OHRA, a.s.r. and DSW, only sells it to people who also have its basic insurance.
- Maximum per calendar year. Each module pays up to a fixed amount per year, such as €250 or €500. Above that, you pay the dentist yourself.
- Reimbursement percentage. Some modules pay 100%, others 75% or 80%. Many pay check-ups at 100% and other treatments at 75%.
- Acceptance. Insurers must accept everyone for basic insurance, but not for supplementary insurance. Modules up to €500 usually accept everyone without medical questions. Extensive modules of €1,000 or more often ask about your teeth or a statement from your dentist.
- Waiting periods. For regular dental care they are rare. They are common for braces (often 12 months) and, at some insurers, for crowns, bridges and implants in the most extensive modules.
- Once a year. You can change or switch per 1 January. Newcomers can take out insurance when they start living or working in the Netherlands.
- Dental accidents. Many modules also pay after an accident, often up to €10,000, for example at Anderzorg, VinkVink, ONVZ, Nationale-Nederlanden and Interpolis.
Taking out dental insurance as an expat or international student
If you come to live or work in the Netherlands, you usually have to take out Dutch basic health insurance as soon as possible, and no later than 4 months after arriving. If you take it out later, you are not insured retroactively and you may be fined. Most insurers let you choose supplementary insurance, including a dental module, in the same application. Not sure whether you are obliged to take out Dutch insurance, for example as a student or posted worker? Check Government.nl.
Most online application forms are in Dutch. According to their own websites, these insurers offer the most in English: HollandZorg (aimed at internationals, all communication and documents in English), ONVZ (service in English and an English application link), DSW and Stad Holland (English-speaking customer service and app), and CZ and Menzis (English websites). At a.s.r. the advisers speak English, but letters are in Dutch. This glossary helps you through a Dutch form:
| Dutch term | Meaning |
|---|---|
| Basisverzekering | Basic, compulsory health insurance |
| Aanvullende verzekering | Supplementary insurance |
| Tandartsverzekering, tandmodule | Dental insurance module |
| Premie berekenen | Calculate your premium |
| Eigen risico | Compulsory deductible (excess), €385 in 2026 |
| Vergoeding, maximaal per kalenderjaar | Reimbursement, maximum per calendar year |
| Wachttijd | Waiting period |
| Medische acceptatie, gezondheidsverklaring | Medical questionnaire |
| Tandartsverklaring | Statement from your dentist about your teeth |
| Ingangsdatum | Start date of the policy |
| BSN (burgerservicenummer) | Citizen service number |
| Verzekeringnemer | Policyholder |
| Meeverzekerd | Co-insured, for example your children |
| Machtiging, automatische incasso | Direct debit authorisation |
| Overstapservice | Switching service: your new insurer cancels your old policy |
Dental insurance for children and braces
At most insurers children under 18 are co-insured free of charge on a parent’s policy, and basic insurance covers most of their dental care. Braces are the exception: basic insurance does not cover them, not even for children. For that you need supplementary insurance with orthodontic cover, usually with a 12-month waiting period. Costs and cover per insurer are on orthodontic insurance in the Netherlands.
Switching dental insurance for 2027
Insurers publish their 2027 premiums by 12 November 2026. You can then switch until 31 December. If you take out basic and supplementary insurance with a new insurer, it cancels both old policies for you. We update this comparison as soon as the new premiums are known. Read taking out or switching dental insurance for the dates and steps, or see the best dental insurance per situation and all modules per insurer.
Frequently asked questions
Does Dutch health insurance cover the dentist?
Only for children under 18 and for a few treatments for adults, such as full dentures (with a 25% own contribution) and specialist oral surgery. Regular dental care for adults, such as check-ups, fillings, root canal treatment and crowns, is only reimbursed with dental insurance.
How much does dental insurance cost in the Netherlands?
In 2026 a module with about €250 cover costs roughly €10 to €18 a month, €500 cover about €23 to €34, and €1,000 or more about €41 to €80. Premiums for 2027 are published by 12 November 2026.
Can I take out dental insurance with a different insurer than my basic insurance?
Legally you may combine insurers, but in practice this is hardly possible: almost all insurers, including Zilveren Kruis, FBTO, CZ, VGZ, Menzis, OHRA, a.s.r. and DSW, only sell dental insurance together with their own basic insurance.
Is there a waiting period for dental insurance?
For regular dental care usually not. Waiting periods mainly apply to braces (often 12 months) and, at some insurers, to crowns, bridges and implants in the most extensive modules, such as VGZ and Univé Tand Best (12 months).
Which Dutch insurers offer dental insurance in English?
No insurer arranges everything in English, but HollandZorg, ONVZ, CZ, Menzis, DSW and Stad Holland offer the most: English websites, documents or customer service. Zilveren Kruis and VGZ have English information pages and an app in English. Most online application forms are completely or partly in Dutch.
When can I take out or change dental insurance?
Usually once a year, per 1 January: from the moment the new premiums are published (by 12 November) until 31 December. Some insurers, such as Zilveren Kruis, VGZ, a.s.r., FBTO and Salland, also let you change supplementary insurance until 31 January. If you are new to the Netherlands, you take out insurance when you arrive.
Sources
- Government.nl: When do I need to take out health insurance if I come to live in the Netherlands?
- Government.nl: Changing your health insurance
- Zorginstituut Nederland: Mondzorg (dental care in basic insurance, Dutch)
- NZa: tariff decision dental care 2026 (TB/REG-26616-01)
- NZa: tariff decision dental care 2027 (TB/REG-27619-01)
- KNMT / allesoverhetgebit.nl: dental tariffs and example costs
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