Best dental insurance in the Netherlands 2026: the best choice per situation
There is no single best dental insurance: the best choice depends on how much dental care you expect, which basic insurance you have and whether you want to avoid medical questions. Below we list, per situation, the Dutch dental modules that offer the most cover for their premium in 2026. We only look at premium, maximum reimbursement, reimbursement percentage, acceptance, waiting periods and service in English. Whether an insurer pays us a fee plays no role.
Lowest premiums for around €250 of cover
- 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.
Best dental insurance per situation
| Situation | Modules | Why |
|---|---|---|
| Small budget, everything 100% reimbursed | FBTO Tand €250 (from €16.75) · a.s.r. TandBeter (€16.50) | 100% up to €250, also for fillings and specialist care. FBTO asks no medical questions. |
| Expected costs around €300 | OHRA Tand Gaaf €325 (from €15.95) | 75% up to €325, including material and technical costs. No medical selection. |
| €500 cover at a sharp premium | Menzis TandVerzorgd 500 (€22.65) · Interpolis GebitActief €500 (from €23.50) | Check-ups 100%, other treatments 75%. |
| €1,000 without medical questions | Univé Tand Best (€52.00) · VGZ Tand Best (€58.00) | No dental selection. Note: 12-month waiting period for crowns, bridges and implants. VGZ reimburses 80%, Univé 75%. |
| Big treatments, as much reimbursement as possible | Zilveren Kruis Tand 4 sterren (from €62.50) · Nationale-Nederlanden TandenGaaf €1500 (€79.62 incl. online discount) | 100% up to €1,250 or €1,500. Medical questions or a dentist's statement apply. |
| Young adult (18–29) | ZieZo Tand 1 (€12.95) · Interpolis GebitActief €250 (€13.50) · Zilveren Kruis Tand 1 ster (€14.50) | Lower premium for younger adults, €250 cover, consultations 100%. |
| Arranging everything in English | ONVZ Tandfit A (€13.90 incl. member discount) · CZ Tandarts (€27.00) | ONVZ offers service in English and an English application link; 100% up to €200. CZ has an English website and English 2026 conditions; up to €450, no dentist's statement. |
Premiums per month for 2026, for adults. You take out a dental module together with basic insurance from the same insurer. Links marked with a partner insurer go to the insurer's (Dutch) premium calculator; we may receive a fee.
How to choose the best dental insurance
- Estimate your costs. Only check-ups? Then the dentist costs you about €100 to €150 a year without insurance, and a module rarely pays off. Do you expect fillings, a root canal treatment or a crown? Then a module with €500 or more can be worth it. Use the calculator.
- Start from your basic insurance. Almost all insurers only sell dental cover together with their own basic insurance. Compare the total premium of basic plus dental insurance, not the dental module alone.
- Look at percentage and maximum together. 100% up to €250 means at most €250 back. 75% up to €500 means you only reach €500 back with €667 in costs.
- Check acceptance and waiting periods. Expecting a big treatment soon? Choose a module without medical questions and without a waiting period for crowns and implants.
- Check the language. If you do not speak Dutch, choose an insurer with English service or documents. See the English service column in our comparison.
Tip: dental insurance is not a savings account. You pay the premium every month, and in a year without treatments you get nothing back. Compare what you pay per year with what you realistically expect to claim.
Best dental insurance for children
Children under 18 do not need a dental module: basic insurance covers most of their dental care, and at most insurers they are co-insured free of charge on the supplementary insurance of a parent. What matters for children is orthodontic cover, because braces are not covered by basic insurance. The highest reimbursements for braces are in the supplementary packages of ONVZ, Zilveren Kruis, VGZ and De christelijke zorgverzekeraar. See orthodontic insurance.
Frequently asked questions
What is the best dental insurance in the Netherlands in 2026?
There is no single best dental insurance for everyone. The best choice depends on your expected dental costs, your basic insurance and whether you want to avoid medical questions. For a small budget with 100% reimbursement, FBTO Tand €250 and a.s.r. TandBeter score well; for €500 cover, Menzis TandVerzorgd 500 and Interpolis GebitActief €500.
Which dental insurance reimburses 100%?
Among others FBTO (Tand €250, €500 and €750), a.s.r. TandBeter, ONVZ Tandfit A, B and C, Zilveren Kruis Tand 4 sterren and Nationale-Nederlanden TandenGaaf €1000 and €1500. Many other modules reimburse check-ups at 100% and other treatments at 75% or 80%.
Which dental insurance has no medical questions?
Most modules up to €500 accept everyone, for example FBTO, OHRA, VGZ, Univé, Salland and Zilveren Kruis up to Tand 2 sterren. VGZ and Univé Tand Best even offer €1,000 without dental selection, but with a 12-month waiting period for crowns, bridges and implants.
What is the best dental insurance for expats?
For expats, the best insurance combines good cover with service you understand. ONVZ offers service in English and an English application link, CZ has an English website and English conditions, and HollandZorg arranges all communication in English. Compare the total premium of basic plus dental insurance.
Is the most expensive dental insurance the best?
Not necessarily. An extensive module only pays off if you actually have high dental costs. With only check-ups, a small module or no dental insurance at all is usually cheaper.
Sources
- FBTO: dental insurance and premium overview 2026 (Dutch)
- a.s.r.: dental insurance (Dutch)
- OHRA: dental insurance (Dutch)
- Menzis: TandVerzorgd (Dutch)
- VGZ: Tand Best (Dutch)
- Univé: Tand Best (Dutch)
- Nationale-Nederlanden: TandenGaaf (Dutch)
- ONVZ: dental health care plan (English)
- CZ: dental insurance (English)
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