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Getting physiotherapy in the Netherlands: what internationals need to know

Lyna Meyrer 🇱🇺
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Getting physiotherapy in the Netherlands: what internationals need to know

Feeling a twinge in your back after too many Dutch cycling adventures? Whatever the issue, going to the physiotherapist in the Netherlands is surprisingly easy once you know how the system works.

This guide walks you through referrals, costs, insurance cover, and what to expect during your first visit. Let’s dive into it.

What is physiotherapy in the Netherlands?

Physiotherapy (fysiotherapie) is one of the most common types of care in the Dutch healthcare system. Its goal is to help with everything from sports injuries and muscle tension to posture problems caused by long days working behind a laptop.

You’ll also find variations such as manual therapy, sports physio, dry needling, and pelvic physiotherapy. Each works slightly differently, but they all aim to reduce pain and improve movement.

Do I need a GP referral for physiotherapy in the Netherlands?

Thanks to the Netherlands’ directe toegankelijkheid fysiotherapie (direct access to physiotherapy or DTF), you can generally book a physiotherapist directly without getting a GP referral.

This means you can make an appointment without seeing your GP first, and without having to explain how you pulled your shoulder while lifting an IKEA box.

woman-meeting-her-physical-therapist-in-the-netherlands
Good news: You can skip the GP visit! Image: Depositphotos

DTF also means your physio will do a short screening during your first appointment to check whether physiotherapy is safe and appropriate for your condition. 

READ MORE | The ultimate guide to going to the doctor in the Netherlands in 2026

If anything looks unusual or outside their scope, they’ll refer you to your GP or a specialist. In most cases, though, you can start treatment right away — which makes the whole process much faster than many internationals expect.

However, there are a few exceptions.

Some insurers still require a GP referral for specific treatments or long-term cases, so it’s always worth checking your policy before booking. But for everyday issues like back pain, muscle tightness, or mild sports injuries, DTF keeps things simple and accessible.

Does Dutch health insurance cover physiotherapy?

Here’s some bad news: basic Dutch health insurance doesn’t cover standard physiotherapy for adults. 

READ MORE | 9 things you need to know about Dutch health insurance as an international

You’ll usually need aanvullende verzekering (an additional insurance package) if you want cover for non-chronic conditions. Most of these top-up plans include between 6 and 18 sessions a year.

Physiotherapy coverage for chronic conditions

There’s one big exception to this, namely, if you have a condition on the official list of chronic conditions.

man-getting-examined-at-physiotherapist-office-in-the-netherlands
Your supplementary insurance will help you out. Image: Depositphotos

If you have a qualifying condition, your first 20 sessions are usually paid out of pocket or by your additional insurance. After that, your basic insurance takes over.

Common chronic conditions include neurological issues, serious mobility problems, and long-term post-operative recovery.

Physiotherapy coverage for children in the Netherlands

Children get more generous coverage for physiotherapy than adults. For them, many treatments fall under basic insurance, and paediatric physiotherapists specialise in movement development, posture, and injury prevention.

A GP referral is sometimes required, but many treatments can start directly.

How much does physiotherapy cost in the Netherlands?

A standard 30-minute physio session in the Netherlands costs between €30 and €60. Intake appointments tend to be a little more expensive because they involve a longer assessment.

If you don’t have additional insurance, you’ll pay the full price out of pocket. 

How to book a physiotherapist in the Netherlands

Finding an English-speaking physiotherapist in the Netherlands is usually a straightforward process.

Many practices have international staff, and booking can often be done online. Reviews are also super helpful for choosing a physio who fits your needs.

woman-calling-to-make-physiotherapy-appointment-in-the-netherlands
You can usually call the practice to make an appointment. Image: Depositphotos

Your first session includes an intake interview, a physical assessment, and a treatment plan. Bring your ID and insurance card, and wear something comfortable that you can move in.

Find an English-speaking physio near you

Most cities have plenty of physiotherapy practices that list English as a working language. Tools like ZorgkaartNederland or your insurer’s directory can help you find someone close to you.

Also check out our physiotherapists directory for therapists who specialise in expat care.

What happens in your first session with a Dutch physiotherapist

During your first session with a physiotherapist in the Netherlands, you can expect questions about your medical history, pain levels, and daily habits. Your physio will want to know when the pain started, what makes it worse, and whether you’ve had similar issues before.

They’ll also ask about your work setup, hobbies, and activity level — because sitting hunched over a laptop for eight hours or cycling 20km daily absolutely affects your body.

READ MORE | Mental healthcare in the Netherlands: all you need to know for 2026

Don’t be surprised if they ask surprisingly specific questions about your posture or sleeping position.

Your physio may also test your movement, flexibility, and strength. This could involve walking across the room, bending in different directions, or performing simple exercises while they observe. 

man-getting-physiotherapy-for-chronic-condition-in-the-netherlands
Be prepared to do some exercises. Image: Depositphotos

After that, you’ll develop a treatment plan together. This might include hands-on manual therapy or exercises to do at the practice or at home. Some physios also use techniques like massage, dry needling, or taping. 

READ MORE | Trans healthcare in the Netherlands: The ultimate guide in 2026

Most will give you a realistic timeline for recovery and book follow-up sessions on the spot.

The whole intake usually takes 30 to 45 minutes, and you’ll often start some light treatment during that first visit.

Types of physiotherapy you can get in the Netherlands

Depending on what kind of pain you need help with in the Netherlands, there are different types of physiotherapy you can get:

  • Manual therapy: Focuses on joints, neck pain, and mobility issues.
  • Pelvic physiotherapy: Common for pregnancy, postpartum recovery, or pelvic floor issues.
  • Sports physiotherapy: For athletes or gym lovers who push a little too hard.
  • Shockwave therapy: A treatment for stubborn tendon problems.
  • Dry needling: Uses thin needles to release tight muscle knots.

How to submit claims and get reimbursed

If your insurance does cover your physiotherapy session, it’s important to know how to get reimbursed. 

This depends on the practice, but many Dutch physiotherapists bill your insurer directly, which saves you a lot of admin. 

Others will email you an invoice that you can submit through your insurer’s app or online portal. 

Tips for internationals going to a physio in the Netherlands

The first thing you should always do is to check whether your physio has a contract with your insurer to avoid surprise bills. If you know you need multiple sessions a year, consider adding a top-up insurance package.

READ MORE | I had a good experience with the Dutch healthcare system, am I the only one?

When it comes to your appointments, wear comfortable clothes, bring water, and don’t be shy about asking for English. Most physios are used to internationals and will happily translate any tricky Dutch words on your treatment plan.

When should you see a physio, GP, or specialist?

As a general rule of thumb:

  • A physio is great for muscle pain, movement problems, and most sports injuries. 
  • See your GP if you have unexplained swelling, fever, or sudden severe pain. 
  • Go straight to emergency care for fractures, dislocations, or anything that makes you suspect you’ve done something very dramatic.

Physiotherapy in the Netherlands is easy to access once you know how insurance works, and it can make a huge difference to your comfort and recovery. 

Take your time to choose a good physio and keep track of your sessions. You’ve got this! 

Have you been to a physio in the Netherlands? Share your experience in the comments!

Getting physiotherapy in the Netherlands: Frequently asked questions

Do I need a referral from my GP to see a physiotherapist in the Netherlands?

How much does a physio session cost in the Netherlands?

Does my Dutch health insurance cover physiotherapy?

How many physio sessions will my Dutch insurance cover?

Can I find an English-speaking physiotherapist in the Netherlands?

What should I bring to my first physiotherapy appointment in the Netherlands?

How long does a typical physio session last in the Netherlands?

Will physiotherapy hurt?

Can I claim my physiotherapy costs back from my insurance?

What’s the difference between a physiotherapist and a manual therapist?

Dutch Quirk #131: Flock to online comments to type ‘gekoloniseerd’

Liana Risseeuw 🇱🇰
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0
Dutch Quirk #131: Flock to online comments to type ‘gekoloniseerd’

Let’s set the scene: you’re watching a Pewdiepie meme reaction video on YouTube and he briefly mentions the Netherlands. You scroll down and the comments are a sea of “gekoloniseerd”. 💬

Confused? Well, it looks like you’ve run face-first into a strange Dutch quirk in the wild (or, rather, on the internet).

What is it?

This quirk relates to a humorous habit of some millennial/Gen Z Dutch people: rushing to the comments section of a YouTube/TikTok/Instagram video that mentions the Netherlands and spamming the word ‘gekoloniseerd’ (colonised).

Why do they do it?

According to an old Reddit thread, the joke originated from a YouTube video by a user named Studio Massa.

The video, titled “de VOC (voor idioten)” — the VOC for idiots — is a short cartoon retelling of a Dutchman landing on an island and attempting to wrangle spices from the natives.

Another Redditor in the same thread suggested that the “gekoloniseerd” joke could’ve come from a rather unsurprising source: Thierry Baudet. A few years ago, a clip of the far-right Dutch politician went viral, and the internet found it hilarious.

In the video, Baudet gestures to his bookshelf and goes, “dit is eigenlijk niet van mij, maar ik heb dit gekoloniseerd” (this is actually not mine, but I’ve colonised it).

READ MORE | What was the VOC? The Dutch East India Company explained

Wherever the meme came from, it’s now firmly embedded in the cultural psyche of young, chronically online Dutchies, who use every opportunity to wield it.

Why is it quirky? 

Very few other nations have such a popular joke word or phrase that all but SCREAMS, “hi, my country was mentioned in your video/post, so now I’m spamming your comments section.”

In the words of a Redditor on the original thread, it’s a great way to figure out if any Dutch people are online.

So, if you see a “gekoloniseerd” (colonised), “zeg maker” (say, mate), or “kokosnoten zijn geen specerijen” (coconuts aren’t spices) wafting about in the comments section of a video, well… chances are it mentions the Netherlands in some way.

Should you join in? 

That depends.

Most millennial/Gen Z Dutch people (and internationals) view it purely as a meme, or as a way of indicating that they’re part of a group online.

However, given the Netherlands’ history of colonising bits of land here, there, and everywhere, some Dutch people and internationals find its use distasteful.

As an international from a former Dutch colony, I think it’s a relatively harmless joke. Whether you’d like to adopt this Dutch quirk or shun it is solely up to you, as there’s no one-size-fits-all approach.

What do you think of this Dutch quirk? Have you experienced it? Tell us in the comments below!

BREAKING: No trains running across Amsterdam, leaving Schiphol Airport unreachable

Sarah O'Leary 🇮🇪
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BREAKING: No trains running across Amsterdam, leaving Schiphol Airport unreachable

If you were planning to catch a train in Amsterdam this morning, cancel those plans. The entire Amsterdam region has lost all rail services, with Schiphol Airport now unreachable by train.

What started as scattered disruptions has rapidly deteriorated into a full-blown transport crisis, and the NS has now suspended multiple services across the country.

No trains are running to or from Amsterdam Centraal, and Schiphol (one of Europe’s busiest hubs) is now unreachable by rail.

With snow continuing to fall, the situation is worsening by the hour, and more routes are being suspended — leaving thousands of travellers stranded and forcing many to abandon their journeys entirely.

Transport network in meltdown

Beyond Amsterdam, trains have stopped running between Utrecht and Leiden, Zwolle and Leeuwarden, Zwolle and Deventer, and Leeuwarden and Stavoren.

On routes that are still operating, services are running at half capacity or worse, meaning the trains that do show up are absolutely rammed with frustrated commuters.

READ MORE | More cancelled trains, traffic jams, and scrapped flights as code orange winter weather causes chaos across Netherlands

The root cause? Switch malfunctions triggered by the snowfall.

But here’s the kicker: ProRail repair crews can’t even reach the broken switches because they’re stuck in the same traffic chaos as everyone else, according to NOS.

Why can’t Dutch trains handle snow?

If you’re an international from a snowier climate, you might be wondering how a few centimetres can cause such chaos.

ProRail’s explanation is simple: countries like Sweden and Switzerland cope far better because their infrastructure is specifically designed for months of snow.

@dutchreview

Train delays are just the perfect way to start the day 😅

♬ Elevator Music – Bohoman

“In the Netherlands, we see snow less frequently,” a ProRail spokesperson explains to the NOS. “If you have snow for several months per year, you adapt your infrastructure accordingly.”

Translation: we’re just not built for this. When snow does arrive, the entire rail system buckles under pressure.

No clear timeline for recovery

With the KNMI extending code orange warnings to eight provinces and snow continuing to fall, there’s no indication of when normal service might resume.

Buses have also stopped running in Friesland and Utrecht, leaving many commuters with no alternative.

For internationals trying to reach Schiphol for flights, the situation is particularly dire. With trains suspended and roads gridlocked, getting to the airport has become nearly impossible.

However, if yesterday’s events are anything to go by, the chances of their flights actually departing are pretty slim.

Stranded at home or stuck in a station? Check the NS app constantly for updates, though honestly, you might be better off staying put until this whole mess sorts itself out.

The Netherlands is stuck between Trump and international law following Venezuela attack

Abuzer van Leeuwen 🇳🇱
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2
The Netherlands is stuck between Trump and international law following Venezuela attack

The American military operation to seize Venezuelan president Nicolás Maduro has put the Netherlands in an uncomfortable spot. Dutch politicians are trying to balance international law principles with the reality of having Caribbean islands sitting right next to Venezuela.

Saturday’s dramatic extraction of Maduro from Caracas sent shockwaves through Dutch political circles.

Not because anyone’s mourning the departure of an authoritarian leader, but because of what it means for international norms and regional security.

The Netherlands isn’t just an interested observer here. The Caribbean islands of Aruba, Curaçao, and Bonaire are part of the Dutch Kingdom, lying mere kilometres from Venezuela’s coastline.

Flights cancelled, cabinet stays quiet

The immediate impact was felt in the skies. KLM and other carriers scrambled to cancel flights to Curaçao, Aruba, and Bonaire as airspace closed amid security concerns, reports NOS.

As a result, thousands of travellers found themselves stranded on both sides of the Atlantic.

By Sunday, flights had cautiously resumed, though airlines continue urging passengers to stay alert to sudden changes.

Meanwhile, the caretaker government kept its response carefully neutral.

Foreign Affairs Minister David van Weel said the Netherlands doesn’t recognise Maduro’s regime but urged all parties to avoid escalation and respect international law, according to de Volkskrant.

Notably absent? Any condemnation of the American operation itself.

Politicians split on response

Rob Jetten, leader of D66 and part of coalition talks, was more direct.

By Saturday evening, he’d called Maduro “a cruel dictator” but labelled Trump’s actions as “contrary to international law” and creating “a precedent with major risks”.

PVV leader Geert Wilders, however, was characteristically blunt, writing “Bang Boom Maduro gone” on X.

Why the cautious response?

The Netherlands has been walking on eggshells for months.

The worry is straightforward: Venezuela might hit back at the US by targeting its closest neighbour, which is Dutch-controlled.

But less straightforward, the Dutch also now more or less fear their “ally”: the US.

As Defence Minister Ruben Brekelmans told parliament in December, the government has been at pains to show it’s not involved in American operations near Venezuela. The Netherlands has responsibility for defending Aruba, Curaçao, and Bonaire.

But for example; there’s also Ukrainian aid to consider. The Netherlands needs American support for Ukraine to continue, adding another layer of diplomatic complexity.

What the law says

Dutch legal experts aren’t mincing their words. Speaking with de Volkskrant, Marieke de Hoon, who lectures in international criminal law at the University of Amsterdam, calls the operation “a crime of aggression”.

Meanwhile, Frans Osinga, professor of war studies at Leiden University, agrees. “From an international law perspective, the Netherlands should obviously condemn this. It’s completely illegal, neo-imperialist behaviour,” he tells the paper.

But he sees the impossible position: “The proximity of the Antilles and the fact that American support for Ukraine is still badly needed stands in the way of harsh condemnation.”

The Netherlands positions itself as guardian of international law, hosting The Hague’s international courts. Watching a major power bypass those structures hits differently when you’ve built your reputation on upholding them.

Parliament returns from recess this week for an emergency debate on Venezuela and its implications for Dutch policy.

What do you think about the Netherlands’ cautious response? Share your thoughts in the comments below.

Feature Image: Gage Skidmore/Wikimedia Commons/CC2.0

These 13 everyday changes have taken effect in the Netherlands as of January 1, 2026

Abuzer van Leeuwen 🇳🇱
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3
These 13 everyday changes have taken effect in the Netherlands as of January 1, 2026

It’s not all about money. From more expensive hotels to mandatory smart meters, here are the practical, regulatory, and occasionally bizarre changes that have hit the Netherlands as of New Year’s Day.

Whilst everyone’s focused on what’s happening to their wallets, the Dutch government has been busy tinkering with everything else too, NOS reports.

Some of these changes are genuinely useful, others are mildly annoying, and a few are downright quirky.

From what you can toss in your recycling bin to what pets you’re allowed to own, here’s what has changed in Dutch daily life.

Health and wellbeing

1. Your basic health insurance just got an upgrade

Three updates have hit the basic health insurance package.

First, you can now participate in a stop smoking programme three times per year instead of just once.

Turns out quitting nicotine is hard, and the government has finally acknowledged that people might need more than one attempt.

Second, people with axial spondyloarthritis (a type of inflammatory back and pelvic condition) can now access physiotherapy through their basic insurance.

READ MORE | 9 things you need to know about Dutch health insurance as an international

Third, some consultations no longer count towards your eigen risico (deductible).

If your GP consults a specialist for advice about your case, that’s now covered outside your deductible. Same goes for an initial exploratory conversation with a mental health professional.

@dutchreview

The answer to ✨ everything ✨ #dutchdoctors #dutchhealthcare #dutchlife #expatlife #lifeinthenetherlands #thenetherlands #visitnl #learndutch #dutchmemes #meme #memecut

♬ Gimme! Gimme! Gimme!(Edit) – Scotty & Wilcox

2. Smoking becomes less attractive

Vapes and refill packs can only be sold in specialist tobacco shops as of the new year, according to KVK.

And there are even bigger plans for the future. From 2030, you’ll only find tobacco products such as cigarettes and rolling tobacco in convenience stores like Primera and Bruna and in specialist tobacco stores.

In 2032, they will also disappear from convenience stores.

It’s all part of the government’s ongoing effort to discourage smoking and vaping, particularly among young people.

Travel and transport

3. Hotels are now slightly pricier

Planning a staycation in 2026? You might want to rethink your budget. The VAT on hotel stays and holiday parks is jumping from 9% to 21%.

There’s a silver lining if you’re the camping type, though. If you rock up with your own tent, caravan, or camper, you’ll still pay just 9% VAT.

The government originally wanted to slap higher VAT on gyms, museums, and theatres too, but the Tweede Kamer managed to block that plan. Small mercies.

4. Your commute is getting more expensive

Train fares have jumped up by 6.5% on average. The NS initially wanted to raise prices by about 12%, but the government negotiated a four-year phase-in to soften the blow.

It’s still a hefty increase, though. If you’re commuting regularly, you might want to consider an NS subscription or reconsider that bike commute.

@dutchreview

I’ve been waiting for 3 hours… 😃 #dutchreview #dutch #international #ns #train #delay #cancellation #MemeCut #Meme #MemeCut

♬ original sound – God’s property Young

5. Petrol, diesel, and your car are all getting pricier

The excise tax on petrol has risen by 5.6 cents per litre, diesel by 3.6 cents, and LPG by 1.3 cents.

After years of government subsidies keeping fuel prices artificially low following Russia’s invasion of Ukraine, those reductions are finally being wound back.

Road tax has also gone up for certain vehicle types, so check what you’ll be paying for your specific car.

6. Bulgaria joins the eurozone

This one’s not about the Netherlands specifically, but it affects EU travel.

Bulgaria has adopted the euro as of January 1, according to the ECB. The lev has been retired, joining the likes of the guilder, peseta, and drachma in currency history.

If you’re planning any trips to the Balkans, you can leave the currency converter at home.

Environment and utilities

7. Your recycling bin is getting new friends

You can now toss coffee capsules (even full ones), household aerosol cans (deodorant, hairspray, whipped cream), and large packaging films into your PMD (plastic, metal, drink cartons) bin.

READ MORE | Recycling in the Netherlands: an international’s guide in 2026

Producers have improved packaging recyclability, and waste processors have upped their game, making these items suitable for recycling.

It’s a small change, but it might finally answer that eternal question: “Where on earth do I put this thing?”

8. Smart meters are now mandatory

You can no longer refuse to have a smart or digital meter installed to track your electricity and gas usage.

The old analogue meters with spinning dials are being phased out because they can’t track solar panel energy that’s being fed back into the grid. This makes it impossible for energy companies to charge you appropriately.

READ MORE| 14 dang smart ways to save on energy costs in the Netherlands [UPDATED 2026]

You can still turn off the automatic data-sharing function on smart meters and report usage yourself if you prefer.

Or you can opt for a simpler digital meter without communication capabilities. Either way, the analogue meter’s days are numbered.

9. Big water users are paying more

Water tax is increasing, but only for heavy users. While you currently pay a special tax only on the first 300 cubic metres each year, this will change to the first 50,000.

Most three-person households use around 150 cubic metres annually, so you likely won’t notice a difference. This is really targeting businesses and organisations to encourage water conservation.

@dutchreview

The dreaded mail 📫 #dutchmemes #dutchlife #expatsinthenetherlands #thenetherlands #lifeinthenetherlands #holland #tax #expatlife #dutchreview #MemeCut #Meme #MemeCut

♬ original sound – DutchReview

Rules and regulations

10. Recreational sea fishing gets bureaucratic

If you fish recreationally in Dutch sea waters, you’ll need to start logging your catches in an app called Rec-Fishing.

The requirement applies to sea bass, eel, and bluefin tuna. You’ll record what gear you used, where you fished, the size or weight of the catch, and whether you kept it or threw it back.

It’s an EU-wide rule starting January 10, aimed at understanding recreational fishing’s impact on fish populations. Freshwater fishing in rivers and lakes isn’t affected.

11. Cash payments get a cap

Shops can no longer accept cash payments of €3,000 or more. It’s an anti-money laundering measure aimed at making it harder for criminals to wash dirty money through legitimate businesses.

The ban doesn’t apply to transactions between private individuals, so you can still hand over a wad of cash for that Marktplaats purchase if you really want to.

12. You have the right to contact the government online

Citizens and businesses now have a legal right to communicate with government bodies via the internet.

You can submit permit applications, file objections, and handle other bureaucratic tasks through email, web forms, or file uploads.

The government must send you a confirmation when they receive your message, and they can’t force you to fill out unnecessary fields on web forms. Postal communication remains an option.

Animals and children

13. Hairless and folded-ear cats are banned

Getting a Sphynx (hairless cat) or Scottish Fold (folded-ear cat) will not be allowed anymore.

The reason? These breeds suffer from genetic conditions that cause chronic pain, joint problems, infections, and skin cancer.

If your cat was born and microchipped before January 1, you can keep them, but are not allowed to join shows and competitions anymore.

It’s a welfare-focused decision, even if it’s disappointing for current owners of these distinctive felines.

Bonus: Other changes worth noting

Creators get better copyright protection

Writers, musicians, and filmmakers are getting stronger protections when signing contracts with publishers, record labels, and film producers.

Rights agreements must be in writing, and creators can terminate contracts more easily if their work isn’t being used. They can also band together to negotiate collectively with platforms like streaming services.

Crime fighting gets tougher

Penalties for organised crime are increasing.

Building hidden compartments in vehicles to obstruct police investigations is now a criminal offence, and it’s getting harder for defendants to request new judges during trials (a tactic sometimes used to delay proceedings).

Psychologists working on criminal cases get paid more

Forensic psychiatrists and psychologists are seeing their fees rise by 9%, and they can bill for more hours.

There’s currently a shortage causing delays in criminal proceedings, so the government hopes better pay will attract more professionals to the field.

Which of these everyday changes will affect your daily life most? Are you celebrating easier recycling or mourning your now-illegal Sphynx cat? Tell us in the comments below.

Editor’s Note: This article was originally published on December 29, 2025 and was updated on January 5, 2026.

More cancelled trains, traffic jams, and scrapped flights as code orange winter weather causes chaos across Netherlands

Sarah O'Leary 🇮🇪
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0
More cancelled trains, traffic jams, and scrapped flights as code orange winter weather causes chaos across Netherlands

The Netherlands woke up to a winter wonderland this morning, and by “wonderland” we mean utter travel chaos.

A code orange weather warning has been announced for large swathes of the country, with the Rijkswaterstaat literally telling Utrecht-area drivers to just… not.

However, that warning has not been heard it seems. Let’s break down the extent of the chaos.

Where does the code orange apply?

According to the NOS, Flevoland, Groningen, Friesland and Drenthe have joined North Holland, South Holland and Utrecht under the code orange alert level this morning. The warning period has been extended until noon.

What does code orange actually mean? It’s the KNMI’s way of saying “stay inside unless you absolutely must venture out”, with dangerous weather conditions likely to cause accidents and disruption.

More provinces could be upgraded to orange as conditions develop throughout the morning.

Transport carnage across the country

And so far? It’s not looking pretty. Public transport has essentially collapsed in several regions.

All buses have stopped running in Friesland and throughout Utrecht city. Other operators are warning passengers to expect widespread cancellations and delays.

Train services are in similar disarray. Switch malfunctions have hit eight different routes, causing reduced services and delays across the network.

  • Heerhugowaard to Schagen: delays and fewer trains
  • Zoetermeer to Den Haag Centraal: service disruption
  • Harderwijk to Zwolle: delays and reduced service due to switch failure
  • Lelystad Centrum to Zwolle: delays and fewer trains
  • Almere Centrum to Lelystad Centrum: delays
  • Utrecht Centraal to Driebergen-Zeist: fewer sprinters running
  • Eindhoven to Sittard: delays from an earlier switch failure

Traffic jams stretch to 690 kilometres

The morning commute has also turned into an absolute nightmare for anyone travelling by car. By around 8 AM, nearly 700 kilometres of tailbacks clogged Dutch roads, making it the worst rush hour the country has seen in over a year.

Rijkswaterstaat warns that road conditions are worsening by the hour, and even their own gritting lorries and breakdown recovery teams are struggling to reach incidents. More congestion is expected as the day continues.

Utrecht and South Holland are bearing the brunt of it. Drivers on the A2 between Beesd and Utrecht face two-hour delays.

The A27 between Gorinchem and Utrecht has become completely gridlocked in both directions with similar wait times.

Schiphol chaos continues

It’s not just roads and rails feeling the freeze. The winter weather has been wreaking havoc at Schiphol Airport all weekend, with over 400 flights scrapped yesterday, according to NH Nieuws.

Reduced runway capacity from snowfall is the main culprit. Aircraft also need de-icing before departure, a process that can take up to half an hour per plane. The airport normally handles 50 to 60 flights per hour, but winter conditions have slashed that capacity.

KLM cancelled 73 flights on Saturday and 144 on Friday. Passengers have faced long queues at service desks trying to rebook their trips.

The airport expects similar disruptions today, with officials reviewing the situation every half-day as fresh snow continues to fall.

Stuck at home because the roads are impassable? At least you’ve got an excellent excuse to skip that Monday morning meeting.

Stay warm and tell us in the comments: did you brave the weather or sensibly stay inside?

Making international calls from the Netherlands: the best providers in 2026

Lyna Meyrer 🇱🇺
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0
Making international calls from the Netherlands: the best providers in 2026

It won’t be long after your big move until you have to make international calls from the Netherlands. 

Whether you’re craving a catch-up with your grandparents who haven’t figured out FaceTime yet or need to handle some bureaucratic business, it’s crucial to find the right provider that’s handy, clear, and won’t cost big bucks. 

So, whether you’re a seasoned expat or a complete newbie, an EU citizen or from outside of Europe, here’s all you need to know about making international calls from the Netherlands. 

This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.

Calling someone in a non-EEA country from the Netherlands

While international phone calls from the Netherlands to non-EEA countries can be a tricky (and pricey) endeavour, some providers make the process refreshingly straightforward. 👇

What are EEA countries?

The best mobile providers for international calls from the Netherlands 

While most Dutch mobile providers don’t have options for calling numbers outside the EU cheaply, we’ve scouted out the few that do offer good deals and bundles.

Lebara: our top choice

Lebara-logo-mobile-phone-provider-in-the-netherlands

For just €5 per month, Lebara offers unlimited calling minutes to 44 different countries, including 18 outside the EEA.

Prefer a prepaid option? Get an international bundle from just €15 for 500 minutes of international calling or €20 for unlimited international calling.

Call with LEBARA

Lyca: best for regional plans

logo-lycamobile-netherlands

Lyca offers a range of prepaid international bundles priced between €10 and €40, giving you the flexibility to select either a single country or a bundle of countries to call. 

Additionally, their standard SIM-only subscriptions include 100 international calling minutes, starting at just €4 per month.

Connect with Lyca

Odido: best for unlimited data and calling

odido-logo

Though Odido doesn’t boast the cheapest options for calling outside the EU, their SIM-only plans offer a good mix of speedy unlimited data and unlimited calling.

Starting from €35/month with their Unlimited Fastest plan, Odido’s SIM-only subscriptions offer international calling options to the EU, Switzerland, the United States, and Turkey.

Get Odido

Calling outside of the EU: getting the most bang for your buck

Which of these providers should you go for? Check out this table to help you decide.

SIM-only providerCost per monthMinutesCountries (outside of the EU)
LEBARAStarting from €15Unlimited18
LycaStarting from €410011
OdidoStarting from €351203

Can I make calls outside of the EU with my regular Dutch phone plan?

You certainly can, but it will usually cost you a pretty penny.

While you’re easily able to make international calls with any Dutch or EU phone provider, it’s crucial to know that most providers handle notably higher per-minute rates for such calls, up to a casual €4.50 per minute. 😳

READ MORE | The best banks in the Netherlands for internationals in 2026

So yes, while you can always make calls beyond EU borders with your regular Dutch phone plan, it’s recommended that you verify the specific rates with your provider or find a cheaper alternative. 

Other options for calls from the Netherlands outside the EU

If you’re looking for ways to chat with your friends or family from home without breaking the bank, there are other alternatives that you can consider.

Why not try video-calling with platforms like WhatsApp, FaceTime, Zoom, or Skype? Not only do these options offer a fun and interactive way to connect, but they also tend to be more wallet-friendly when calling across oceans. 

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Video calling is a great way to connect face-to-face. Image: Freepik

Of course, there are some limitations to these platforms. For example, relying on these services requires a stable internet connection, meaning you’ll need access to Wi-Fi or a strong data connection (which also costs money). 

READ MORE | 12 of the best apps to have as an international in the Netherlands

To call landlines or government numbers, you can also make use of so-called VoIP (Voice over Internet Protocol) services, which allow you to make voice calls using an internet connection instead of a regular phone line.

Some examples of popular VoIP providers are Skype’s mobile calling service, KeepCalling, Rebtel, and Viber.

Calling someone in an EEA country from the Netherlands

What about making calls from the Netherlands to other countries within the EEA? That’s pretty straightforward and usually much cheaper than calling outside of the EU.  

Countries that are part of the EEA

Using a Dutch mobile phone provider

If you live in the Netherlands and have a Dutch SIM-only plan, prepaid SIM, or eSIM, any call to another EEA country is either included in your plan or incurs the same charges as a local call would, that is, a maximum of €0.19 per minute (+VAT).

Are you looking for a provider that can give you a good deal on your EEA calls, instead? Besides the three already mentioned earlier, check these out. 👇

Roaming to the Netherlands with your existing EEA phone plan

Thanks to the EU’s “roam like at home” policy, calls between EEA member countries always cost the same as domestic calls within an EEA country.

This policy is meant to allow EEA citizens to use their normal phone subscription while travelling to other European countries without running up the bill. 

Now, if you’re an expat who moved to the Netherlands from another European country, you might think, “Oh, so I can just continue using my original phone plan at no extra cost, then, right?”

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Roam like at Home comes with some ground rules. Image: Depositphotos

Well, it’s not that easy. 

Roam like at home allows you to use your mobile plan under the same conditions as in your home country while travelling within the EU. However, this doesn’t change the limitations of your current plan.

For instance, if your plan only covers domestic calls within your home country, you will still be charged for calls made to numbers outside your home country, even while roaming.

READ MORE | Mobile phones and SIM cards in the Netherlands: ultimate 2026 guide

Let me give you an example to make this simpler. Let’s say I have a phone subscription from Luxembourg (my home country). It includes:

  • Unlimited calling and texts within Luxembourg (not internationally), and
  • 20GB of data per month.

If I travel to the Netherlands, I can:

  • Call and text Dutch, Luxembourgish, or any other EEA number unlimited, and
  • Use up to 20GB of internet while “roaming”,

However, if I make a new friend and return home to Luxembourg and want to call them, my Luxembourg provider can charge me for making an international call because I am no longer “roaming” or “travelling”. 

Note: It is always most beneficial to have a phone plan in your actual country of residence. Why? Not only can your mobile operator cap your international usage under the fair use policy, but a local phone number also makes it easier to contact local authorities. 

How do I make an international call from the Netherlands?

Making international calls from the Netherlands is relatively straightforward, but knowing the correct dialling procedure is essential to ensure your calls go through. 

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It’s important to know your country codes. Image: Freepik

To dial an international number from the Netherlands, you typically start by entering the international access code, which is represented by a plus sign (or two zeros), followed by the country code of the destination you’re calling. 

READ MORE | Unlimited data SIM cards in the Netherlands: The ultimate guide

The country code specifies the country you’re trying to reach. For example, North America’s country code is +1, while Luxembourg’s is +352, and Australia’s is +61.

Once you’ve entered the international access code and the country code, you dial the phone number of the person or business you wish to reach. If you’re making a call to the US, for example, you’ll type either 001 – (phone number) or +1 – (phone number).

This process ensures that your call is routed correctly to its destination, whether it’s a neighbouring country or halfway around the world.

Whether you’re calling your long-distance bestie to hear the latest hometown gossip or need to schedule an appointment with the town hall for your next visit, the ease of international calls from the Netherlands makes it a breeze.

How do you stay in contact with your loved ones back home? Let us know in the comments.

Which types of insurance do you need in the Netherlands? [2026 guide]

Lyna Meyrer 🇱🇺
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Which types of insurance do you need in the Netherlands? [2026 guide]

When you think of the essentials you need once you move to the Netherlands, your mind will likely move to housing, a job, and friends. But there’s one important essential you shouldn’t forget: we all need to have insurance in the Netherlands.

As an expat eager to enjoy canal-side terraces and Dutch delicacies, getting insurance in the Netherlands might not seem like… the most enticing thing to jump into after moving. 

But worry not, that’s what we’re here for! Let’s go over all you need to know about Dutch insurance in 2026.

Need insurance in the Netherlands? Get insured via ING. From home insurance to car insurance and travel insurance, ING lets you have it all in one place, ensuring you have perfect coverage, without paying for unnecessary policies. Even better? You can easily access your policies via the ING app, meaning you’ll always have a handy overview at your fingertips.

Mandatory insurance in the Netherlands

Let’s start with the basics: types of insurance that are mandatory in the Netherlands. These are the types of insurance that you’ll want to take out ASAP after moving to the lowlands.

🩺 Health insurance 

The only Dutch insurance that everyone needs to have when living in the Netherlands is basic health insurance. 

This is true for both children and adults and covers basic healthcare, including visits to the GP and the hospital (and specialists, if you have been referred to one), prescriptions and mental health treatments. 

There are many different health insurance providers in the Netherlands, but they all have to offer the same basic coverage by law. 

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You must take out Dutch health insurance as soon as you arrive in the Netherlands. Image: Freepik

They’re also roughly all the same price, with basic healthcare costing an average of €160 in 2026. 

However, this varies depending on which eigen risico (own risk) you choose. This is a mandatory deductible that you must pay towards your healthcare costs before your insurance covers the rest. 

The compulsory deductible in 2026 is €385, but you can opt to increase this deductible in exchange for a lower monthly premium. 

Depending on your income, you may be eligible for zorgtoeslag (healthcare allowance), an allowance paid by the Dutch government to help reduce your costs.

READ MORE | Toeslagen? Everything you should know about government allowances in the Netherlands [2026 guide]

For additional coverage, such as dental, additional insurance is needed. However, unlike the basic package, you’re not required to have this by law. In this way, there’s a lot of freedom when it comes to how you cover yourself.

Good to know: Irrespective of when you arrive in the Netherlands, you can take out Dutch health insurance at any time of year.

I’m moving to the Netherlands. When do I have to take out compulsory health insurance? 

You should take out health insurance as soon as you arrive in the Netherlands. In an ideal situation, you would be covered from the day you arrive. This is the case even if you are still covered by health insurance from your home country. 

If you don’t get it set up within the first few weeks, that’s ok, but you must be covered no later than four months after you arrive in the Netherlands. 

You may be exempt from having to take out Dutch health insurance if:

  • You work for an EU institution and are covered by the Joint Sickness Insurance Scheme (JSIS) of the European Union.
  • You’re under 30 and only here for your studies with no part-time job.

🚗 Liability insurance for motor vehicles 

Do you plan on driving your own car in the Netherlands? Then you’ll need to take out liability insurance for motor vehicles, or Wettelijke Aansprakelijkheidsverzekering. It’s important to know that it’s illegal to drive a car in the Netherlands without this, and the police can fine you if you’re caught.

This insurance covers the financial liability of a driver in case they cause an accident that damages other people, their property, or other vehicles.

 Liability insurance for motor vehicles in the Netherlands, 

  • Covers damage done to others’ property in case of an accident (unless there was gross negligence on your part). 
  • Covers medical expenses of others and compensation in case of an accident (unless there was gross negligence on your part).
  • Does not cover damage to your own vehicle or your own injury in an accident. For this, you would need additional insurance, such as:
    • Beperkt casco (limited coverage), for things like theft, fire, or storm damage
    • Volledig casco (all risk), including damage you cause to your own car

Good to know: In the Netherlands, car insurance is not tied to the policyholder (i.e. the person who took out the insurance), but to the car. This means other drivers of the same car, as long as they drive it with permission of the owner, are also covered for any damage they may cause while operating the vehicle.

🏠 Home insurance

Known as opstalverzekering, home insurance in the Netherlands protects the structure of your home, such as the walls, roof, windows, and the kitchen (built-in parts). On top of that, it typically covers accidents such as fire, storm, water damage, or vandalism.

You should note that opstalverzekering doesn’t cover any damage to the contents of your home. In order to insure your loose belongings, you will have to take out inboedelverzekering. 

photo-of-child-in-box-being-pushed-by-mother-while-moving-into-house-with-home-insurance-in-the-Netherlands
In the Netherlands, you can take out home insurance and contents insurance to protect your home. Image: Freepik

While this insurance isn’t technically mandatory in the Netherlands, it becomes mandatory if you buy a house with a mortgage.

Wait what? Let me explain. In the Netherlands, you’re not required to have home insurance by law, but most Dutch banks and mortgage lenders will require that you take it out before they give you a mortgage.

And that makes a lot of sense. After all, the house you buy is the mortgage lender’s collateral, so if something happens to it, they want to make sure it can be repaired or rebuilt.

What happens if I don’t have mandatory insurance?

Motor vehicle liability insurance (if you have a car) and health insurance are mandatory in the Netherlands, and not having them can lead to serious consequences:

  • If you don’t have motor vehicle liability insurance (WA-verzekering), you risk a €400 fine, which can be imposed three times a year, even if your car isn’t being used. If you cause an accident while uninsured, you must pay all damages yourself, which can be extremely expensive.
  • If you don’t take out Dutch health insurance within four months of living or working in the Netherlands, you’ll receive a warning and then fines of €528 each. Eventually, the government will register you for insurance and deduct the costs from your income.

Optional (but recommended) insurance in the Netherlands

Besides the mandatory insurances, there are many other types of insurance available in the Netherlands. While you’re not legally required to have them, many people opt to take these out as they can offer great protection and peace of mind.

Studying in the Netherlands? You’re in luck! ING’s student insurance is a 3-in-1 insurance to protect you from the most common risks at an affordable price. Giving you contents, accident, and liability cover starting at just €3.76 per month, student insurance can easily be taken out online — so what are you waiting for?

Learn more

✅ Personal liability insurance (aansprakelijkheidsverzekering)

Personal liability insurance covers any accidental damage you may cause to other people or their belongings. 

Knocked over a friend’s TV? Accidentally ran their bike into a wall? Or dropped their phone? That’s what aansprakelijkheidsverzekering is for.

It’s usually quite affordable and can prevent you from having to pay large amounts for small oopsies, so it might be worth considering.

🛋️ Home contents insurance (inboedelverzekering)

So you’re covered for the damage you might do to your friend’s belongings — but what about your own? Home contents insurance is what you need in this case.

This can not only be good for homeowners, but also for renters, as it protects everything inside your home against damage or theft, like your furniture, electronics, or jewellery.

If there’s a fire, a leak, or a break-in, this insurance also helps cover the cost of replacing your things.

✈️ Travel insurance (reisverzekering)

Travel insurance does what the name suggests: It protects you in case things go wrong when you’re travelling. It’s a smart idea to take this out if you travel a few times a year, even just within Europe.

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As an international, you likely travel a lot. Make sure you take out Dutch travel insurance. Image: Freepik

Whether it’s flight cancellations, lost luggage, or medical emergencies, you can choose to cover these mishaps with reisverzekering. Usually, you can opt for a policy for just one trip (this is often an add-on when booking your flights) or a yearly plan. 

Good to know: Even if you only take 2–3 trips per year, annual travel insurance (doorlopende reisverzekering), can be surprisingly affordable — sometimes as little as €10 per month!

👩‍⚖️ Legal insurance (rechtsbijstandverzekering)

Somehow ended up in a legal dispute? Whether it’s your landlord, your employer, or a neighbour, legal insurance is here to help you out, giving you access to legal advice and covering legal costs should you ever need it. 

How to get insurance as an international in the Netherlands

Getting insured in the Netherlands is usually a straightforward process, and many providers let you set it all up online and in English.

Here’s a step-by-step guide on how to get Dutch insurance:

  1. Find a provider you like. You can use a comparison tool to compare prices and offerings for different types of insurance. Once you’ve found one that fits, it’s time to apply.
  2. Apply online. Most of the time, you can apply directly on the insurer’s website. Many major insurance companies offer information in English, especially for health insurance.
  3. Provide the necessary documents. To complete your application, your insurer may ask you to provide:
  • Your BSN (Burgerservicenummer),
  • Proof of address (for example, a rental contract),
  • Bank account details,
  • A passport or ID
  1. Receive your policy (polis). Once approved, you’ll get a policy document by email or post. And tada, you’re all set!

How to find a Dutch insurance provider that fits

When getting insured as an international in the Netherlands, it’s important to choose an insurance provider that matches your needs, not just in terms of price, but also coverage, service, and language options.

photo-of-man-sitting-in-front-of-laptop-looking-up-different-types-of-insurance-in-the-Netherlands
Do your research before choosing an insurance provider. Image: Freepik

To do so, comparison tools are your best friends. These handy online sites let you compare different providers based on price, policy features, and customer reviews, so they’re a great way to get an overview of all your options. 

We recommend ​​websites like Independer.nl, Pricewise.nl or Verzekering.nl. 

However, another great way to find out which insurance provider is best for you is to ask other internationals for recommendations — never underestimate the power of your network.

When can I switch or cancel my insurance?

Most types of insurance in the Netherlands, like liability, home, or travel insurance, come with yearly contracts that automatically renew unless you cancel them. 

While you can cancel the renewal of your contracts with most insurances on any given day, Dutch health insurance is a little special when it comes to switching providers. 

How so? Because you can only switch to a new health insurer once per year, during the annual switching period between mid-November and December 31. However, this is only the case if you want to switch providers, if you’re simply looking to take out a health insurance policy, you can do this at any time of year.

What if I move abroad or go through a major life change?

Good question — especially for expats! In some cases, you might be able to cancel your Dutch insurance immediately, even if you’re still in the middle of your contract. 

This could be the case, for example, if you move abroad, or go through a change that means you no longer need a specific insurance (like selling your car or your house).

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Life happens, sometimes you need to cancel or change your insurance. Some Dutch insurances are easier to cancel than others. Image: Freepik

If you want to cancel your insurance before your contract runs out, it’s always best to contact your insurance provider as soon as your situation changes.

They may ask for proof (like proof of deregistration), but if you’re no longer eligible or in need of the coverage, they usually allow early cancellation.

How to complain about an insurance provider in the Netherlands

Not happy with how your Dutch insurance company is treating you? It happens.

If this is the case, the best thing to do is to first contact your insurer’s customer service or complaints department. You can usually find a way to contact them on your policy provider’s website. Make sure to clearly explain your problems and, if you have any, include proof of your claims. 

If this doesn’t get you the desired outcome, you can take things further by turning to the Klachteninstituut Financiële Dienstverlening (Financial Services Complaints Institute).

This is an independent organisation that helps consumers and small businesses resolve issues with financial service providers in the Netherlands, including insurance companies.

Want insurance that won’t give you a headache? 😉 With ING as your bank, taking out insurance is a piece of cake — so you can skip the endless forms and documentation needed to complete your insurance application. Plus, you can easily keep an eye on your coverage and daily finances in the ING app. Learn more.

Does the Dutch insurance system differ from the one in your country? What insurance do you recommend internationals take out in the Netherlands? Share your thoughts in the comments.

This article was sponsored by ING and written by DutchReview.

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Dutch Quirk #128: Have a DIY mentality about everything

Julia de Oliveira Moritz
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Dutch Quirk #128: Have a DIY mentality about everything

Dutchies are thrifty, they’re frugal, and they’re self-reliant. Combine all of these, and they get the fantastic ability to make, build, or fix anything by themselves.

Why spend money on a plumber when you can learn to fix your sink for free? That’s the mentality of the Dutch, and honestly, we kind of admire it.

What is it?

It’s building your own furniture, fixing your own bike (only after it’s completely fallen apart), sewing your own clothes, the list goes on. 

Essentially, it’s learning how to do things yourself rather than depending on others to do it for you.

READ MORE | How the Dutch raise their kids to be independent

The Dutch are raised to be practical and proactive, so finding information and solving their own problems themselves comes naturally to them. 

Why do they do it?

Dutchies will often think: “There’s no need to ask someone to do it for me if I can do it myself”.

It’s not so much a question of why they do it, but more why not do it?

READ MORE | The ultimate list of Dutch Quirks

We suppose you could also pin it on Dutchies’ stereotypical stinginess — and reluctance to pay money for someone else to do things for them. 

Why is it quirky?

This is normal and common to some extent, but Dutchies take it to a whole new level.

Their first instinct is never to ask a professional for help.

It’s to press some random buttons, watch a YouTube tutorial, turn some knobs and see what happens.

Only if that doesn’t work (and let’s be honest, it usually does) then they start to consider asking a professional for help.

You might face some judgment if you go to a bike shop and ask them to just pump your tire.

The Dutch employee might think to themselves, “You’re bothering me for this?”

Sometimes you’re lucky, and they don’t judge you, but often you end up with your tail between your legs, feeling a bit foolish for not knowing how to do the thing.

But hey — now you do!

Should you join in? 

Despite the jokes and the slight intimidation, we think it’s great to know how to do things yourself.

You’ll save a bit of money, and it’s nice not to depend on anyone!

Next time, if your washing machine is broken, you won’t have to wait to get it fixed with a load of wet laundry stuck in there.

Go on, read that manual, watch the mechanic work so you don’t have to call them again, fix your own bike, and then you can teach your friends!

What do you think of this Dutch quirk? Have you experienced it? Tell us in the comments below!

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