Eindhoven

Types of Insurance Available in Eindhoven

1. Health Insurance (Zorgverzekering):

   • Mandatory for all residents in the Netherlands.
   • Covers basic medical care, including visits to the general practitioner, hospital care, and prescription medications.
   • Additional coverage (aanvullende verzekering) is available for services not included in the basic package, such as dental care and physiotherapy.

2. Liability Insurance (Aansprakelijkheidsverzekering):

   • Covers damages you may cause to others or their property.
   • Highly recommended for both individuals and families.

3. Home Insurance (Inboedelverzekering):

   • Covers personal belongings against theft, fire, and water damage.
   • Often bundled with building insurance (Opstalverzekering) for homeowners.

4. Car Insurance (Autoverzekering):

   • Required for all vehicles. Options include liability (WA), limited coverage (WA+), and full coverage (Allrisk).
   • Costs vary based on the vehicle, driver’s age, and driving history.

5. Travel Insurance (Reisverzekering):

   • Covers unexpected events while traveling, such as trip cancellations, medical emergencies, and lost luggage.

6. Life Insurance (Levensverzekering):

   • Provides financial support to beneficiaries in the event of the policyholder's death.

Major Insurance Providers in Eindhoven

1. Zilveren Kruis:

   • Offers a range of health insurance plans with various coverage options.
   • Known for good customer service and extensive network of healthcare providers.

2. VGZ:

   • Provides health insurance with a focus on preventive care and wellness programs.

3. Achmea:

   • Offers a variety of insurance products, including health, home, and car insurance.

4. Interpolis:

   • Known for its home and car insurance, with a user-friendly online platform.

5. Allianz:

   • Offers comprehensive travel and life insurance options.

6. FBTO:

   • Provides flexible insurance options, allowing customers to tailor their coverage.

Typical Costs

• Health Insurance: Monthly premiums for basic health insurance range from €100 to €150, depending on the provider and coverage level. Additional coverage can add €10 to €50 per month.
• Liability Insurance: Costs typically range from €50 to €150 annually, depending on coverage limits.
• Home Insurance: Average costs are around €150 to €300 annually for contents insurance, while building insurance can vary significantly based on property value.
• Car Insurance: Monthly premiums can range from €50 to €200, depending on the type of coverage and the driver’s profile.
• Travel Insurance: Costs vary widely based on the duration and destination of travel, typically ranging from €5 to €20 per trip.

How to Apply or Register for Insurance

1. Health Insurance:

   • You can apply online through the provider’s website or by visiting their local office.
   • Required documents include your BSN (Burger Service Nummer), proof of residence, and identification.

2. Liability and Home Insurance:

   • Applications can be completed online or via phone.
   • You may need to provide details about your property and personal belongings.

3. Car Insurance:

   • You can apply online or through an insurance broker.
   • Required documents include your driver’s license, vehicle registration, and previous insurance details (if applicable).

4. Travel Insurance:

   • Purchase online before your trip, or at the airport if needed.

5. Life Insurance:

   • Typically requires a health questionnaire and may involve a medical examination.

Local Considerations and Procedures

• Language: Most insurance providers offer services in English, but it’s beneficial to have a basic understanding of Dutch for better communication.
• Registration: Ensure you register with the local municipality (gemeente) upon arrival, as this is necessary for obtaining a BSN, which is required for health insurance.
• Comparison Websites: Use comparison websites like Independer.nl or Zorgwijzer.nl to compare different insurance policies and prices.
• Customer Service: Many providers have local offices in Eindhoven where you can get face-to-face assistance.
• Expat Services: Some insurance companies offer specific packages for expats, which may include additional support and services.

Conclusion

Eindhoven offers a variety of insurance options to cater to both residents and newcomers. Understanding the types of insurance available, the major providers, and the application process will help you make informed decisions. Always compare policies and consider your specific needs to find the best coverage for your situation. If you have further questions or need assistance, local expat groups and forums can be valuable resources for advice and recommendations.