Netherlands Zorgtoeslag (Healthcare Allowance)

The Netherlands requires adults who live or work there and fall under Dutch insurance rules to buy a basic health-insurance policy (basisverzekering). The policy is supplied by a Dutch insurer, while the government defines the basic package and uses income-tested support to make the premium more manageable. This page covers the active 2026 Zorgtoeslag rules verified against the official Dienst Toeslagen pages.

Zorgtoeslag is the monthly healthcare allowance administered by Dienst Toeslagen, part of the Dutch Tax and Customs Administration. It is not automatic: an eligible person applies through Mijn toeslagen, receives a provisional advance, and later receives a definitive calculation based on the actual income for the benefit year. The allowance is tied to the applicant’s Dutch basic insurance and household means, not to a particular insurer or to the price of an optional supplementary policy.

Opportunity Snapshot

The Dutch Healthcare System Explained

The Dutch healthcare system is built on a foundation of regulated competition combined with universal access. Unlike systems where the government directly provides insurance (such as the UK’s NHS) or where insurance is largely employer-based (such as in the United States), the Netherlands requires every resident to purchase private health insurance while heavily regulating the market to ensure fairness and accessibility.

Mandatory Basic Insurance (Basisverzekering)

Under the Zorgverzekeringswet, all residents must purchase a basisverzekering (basic insurance package) from one of the approximately 10 health insurance companies operating in the Netherlands (including brands like Zilveren Kruis, CZ, VGZ, and Menzis). The contents of the basic package are defined by the government and are identical regardless of which insurer you choose. The basic package covers:

• General practitioner (GP/huisarts) consultations
• Hospital care and specialist treatment
• Prescription medications (listed on the GVS system)
• Mental healthcare
• Maternity care and obstetrics
• Dental care for those under 18
• Physiotherapy (limited number of sessions for chronic conditions)
• Medical aids and devices
• Ambulance transport

Open Enrollment and No Exclusions

A critical feature of the Dutch system is that insurers cannot refuse anyone for basic insurance and cannot charge higher premiums based on health status, age, or pre-existing conditions. During the annual open-enrollment period, residents can switch insurers without penalty. This creates competition among insurers on service quality and premium price, rather than on risk selection.

The Role of Government

The government plays several key roles in the Dutch healthcare model:

1. Defining the basic package — The Ministry of Health determines what is covered.
2. Risk equalization — A sophisticated fund redistributes money among insurers to compensate those with a sicker-than-average insured population, preventing adverse selection.
3. Affordability through the Zorgtoeslag — The healthcare allowance ensures premiums remain affordable for lower-income residents.
4. Regulation — The Dutch Healthcare Authority (NZa) oversees the market to ensure fair practices.

This combination of private delivery with public oversight and financial support creates a system that consistently ranks among the best in Europe in terms of access, quality, and patient satisfaction.

How the Zorgtoeslag Works

The Zorgtoeslag functions as an advance payment (voorschot) based on your estimated income for the current year. Each month, the Belastingdienst/Toeslagen deposits the calculated allowance directly into your bank account, typically around the 20th of the month. The money is intended to offset part or all of your monthly health insurance premium.

Income-Dependent Calculation

The amount of Zorgtoeslag you receive depends primarily on your toetsingsinkomen (assessed income), which is closely related to your gross annual income as reported on your tax return. The calculation follows a formula set annually by the government:

• At the lowest incomes (e.g., minimum wage or social assistance), you receive the maximum allowance, which covers the majority of the average premium.
• As income increases, the allowance gradually decreases through a phase-out mechanism.
• Above the income threshold (€40,857 for a single person or €51,142 combined with a toeslagpartner in 2026), the allowance drops to zero.

The formula takes into account a normative premium (normpremie) — a standard amount the government considers a reasonable premium — and a percentage of income that you are expected to contribute yourself. The difference between the normative premium and your expected contribution determines the Zorgtoeslag amount.

Relationship Between Income and Benefit Amount

The relationship is inversely proportional: as your income rises, your benefit decreases. The phase-out is designed to be gradual so that earning slightly more does not result in a sudden cliff where you lose all support. For every additional euro of income, your Zorgtoeslag decreases by a fraction of a cent, ensuring a smooth transition.

Payment Amounts and Income Thresholds

Below are selected amounts from the official 2026 monthly table. They are rounded figures: the exact amount depends on toetsingsinkomen, household status, and the definitive calculation.

Single Person (No Tax Partner)

Couple / Tax Partners

Phase-Out Rate

The official table shows a gradual reduction as toetsingsinkomen rises. Do not treat the examples as a personal award quote: the Dienst Toeslagen calculator is the right way to model a particular income, partner status, and benefit year.

Important Note on Amounts

The Zorgtoeslag is calculated based on toetsingsinkomen (assessed income), which may differ from your gross salary. Toetsingsinkomen includes salary, benefits, pensions, and certain other income components but is calculated before personal deductions. If you have significant deductions (such as mortgage interest), your toetsingsinkomen may be lower than your gross salary, potentially qualifying you for a higher allowance.

The Dutch Health Insurance Premium Structure

Understanding the full premium structure helps clarify exactly what the Zorgtoeslag covers and why it matters.

The Nominal Premium (Nominale Premie)

This is the monthly premium you pay directly to your health insurer. For 2026, the Dutch government reports an average basic-insurance premium of about €157 per month, but each insurer and policy can differ. Zorgtoeslag is not calculated from the premium you choose; it is based mainly on income and whether you have a toeslagpartner.

The Income-Dependent Contribution (Inkomensafhankelijke Bijdrage)

In addition to the nominal premium, the Dutch system has an income-dependent Zvw contribution. Employers or benefits agencies generally pay this contribution for employees, while other situations can involve a direct assessment. It is separate from the Zorgtoeslag calculation and should not be confused with the monthly allowance.

Eigen Risico (Mandatory Deductible)

Every insured person aged 18 and over has a mandatory deductible (eigen risico) of €385 per year in 2026. This is separate from the insurance premium. Zorgtoeslag is a contribution toward the costs of the Dutch health-insurance system, so do not assume it will reimburse a particular deductible bill.

Optional Supplementary Insurance (Aanvullende Verzekering)

Many Dutch residents also purchase supplementary insurance to cover services not included in the basic package, such as extensive dental care, glasses/contacts, alternative medicine, and additional physiotherapy. The Zorgtoeslag is calculated solely based on the basic insurance premium and does not take supplementary insurance into account.

Eligibility Requirements in Detail

To qualify for Zorgtoeslag, you must meet all of the following criteria:

1. Health Insurance Requirement

You must have a Dutch basic health-insurance policy (basisverzekering) with a Dutch insurer under the Zorgverzekeringswet. A supplementary policy is not required. A temporary visitor policy, a foreign policy, or a policy for which you do not pay the premium does not normally satisfy this condition. Some people insured through the CAK have a specific exception, so check the official conditions if that describes you.

2. Age Requirement

You must be 18 years or older. You can apply once you have taken out the required insurance. Children under 18 do not pay the basic-insurance premium and do not qualify for their own Zorgtoeslag. If you turn 18 during the year, the allowance starts on the first day of the month in which you meet all conditions; if the insurance begins after the first day, it starts the following month.

3. Residency and Nationality

Nationality and residence status matter. The public eligibility guidance refers to Dutch nationality or a valid residence permit, and a non-Dutch person may qualify when Dutch insurance is required. Border workers, people living abroad, and people insured through a treaty arrangement should use the official individual guidance rather than assume that an EU passport alone creates entitlement. A foreign visitor policy is not a substitute for Dutch basic insurance.

4. Income Test

Your toetsingsinkomen is roughly your gross annual income, usually with items such as holiday pay and some maintenance payments included. Student financing does not count in the same way. In 2026 the ceiling is €40,857 without a toeslagpartner and €51,142 for the combined household with one. If the relevant income is above the ceiling, the official guidance says there is no Zorgtoeslag.

5. Asset Test (Vermogenstoets)

The asset test uses the value on 1 January 2026, not the balance at the time you apply. The ceiling is €146,011 for someone without a toeslagpartner and €184,633 combined with one. Savings, investments, and a holiday home can count. If the 1 January value is too high, the allowance is unavailable for the whole year even if the balance later falls; if it is under the limit on that date, a later increase normally affects the next benefit year. Part-year partner situations have special rules, so check whether the partner’s assets must be included.

6. Tax Partner Rules

If you have a toeslagpartner (benefits partner/tax partner), their income and assets are combined with yours for the assessment. See the dedicated section below for more details on who counts as a tax partner.

How to Apply

Applying for Zorgtoeslag is done online through Mijn toeslagen. The official application guide says that it is not automatic, but once you apply you do not normally need to submit a fresh application every year while you remain eligible.

Step-by-Step Application Process

1. Check the conditions — Confirm that you have the required Dutch insurance, are at least 18, and are under the 2026 income and asset limits. Use the official trial calculation for an estimate.

2. Prepare the income information — Have your best estimate of your full 2026 toetsingsinkomen ready. If you have a toeslagpartner, use the combined estimate. Have your insurance arranged and keep your BSN, bank details, and partner information available when the form asks for them.

3. Log in — Open Mijn toeslagen with DigiD. People living abroad may be able to use eIDAS or follow the Belastingdienst’s overseas instructions if they cannot use DigiD.

4. Choose Zorgtoeslag and answer the questions — In Mijn toeslagen, select Zorgtoeslag and choose Aanvragen. Some details may already be filled in. Check them, answer the remaining questions, and enter the income information for you and your toeslagpartner if applicable.

5. Send the application — Review the estimate and declarations, then submit. The system normally shows an indication of the amount immediately after the form is sent.

6. Watch for the decision — Dienst Toeslagen normally sends the voorschotbeschikking within 5 weeks by post and to the Berichtenbox on MijnOverheid. That notice gives the provisional amount and is the basis for the first payment.

Timeline for First Payment

• The first payment follows the voorschotbeschikking; the official payment guidance says regular payments are made around the 20th of each month, normally for the following month.
• Zorgtoeslag starts on the first day of the month in which you meet all conditions. If you meet the conditions only after the first day, it starts on the first day of the following month.
• The published application page currently states that 2025 Zorgtoeslag can still be requested through 31 December 2026. This is a late-application rule for the earlier year, not a reason to label the active 2026 benefit closed.
• A year-end definitive calculation compares the advance with actual income. A higher-than-estimated income can create a repayment; a lower entitlement paid in advance can result in an additional payment.

Using the Trial Calculation (Proefberekening)

Before applying, you can use the proefberekening zorgtoeslag (trial calculation) tool on the Belastingdienst website to estimate how much you would receive. This tool is available without logging in and gives an indicative amount based on the information you provide.

Tax Partner Rules (Toeslagpartner)

The concept of a toeslagpartner (benefits partner) is crucial for the Zorgtoeslag calculation because it determines whether incomes and assets are combined.

Who Is Your Tax Partner?

You have a toeslagpartner if you meet any of the following criteria:

• You are married or in a registered partnership (geregistreerd partnerschap)
• You are unmarried but share a household and one of the following applies:
  • You have a joint child
  • One of you is listed on the other’s pension as a partner
  • You are co-owners of the house you live in together
  • You were each other’s toeslagpartner in the previous year
  • You have a cohabitation contract (samenlevingscontract) notarized by a notary
  • A child of one partner is registered at the same address as the other partner

Impact on the Allowance

When you have a toeslagpartner:

• Your incomes are added together for the income test
• Your assets are combined for the asset test
• The maximum allowance is higher (roughly double), reflecting two people who each need insurance
• Only one person applies for Zorgtoeslag, but the payment covers both partners’ premiums

Important Considerations

• Even if your partner has no income, having a tax partner changes the income thresholds and maximum amounts.
• If you and your partner separate, you must report this to the Belastingdienst/Toeslagen promptly, as it affects your entitlement.
• Roommates without any of the above connections are generally not considered tax partners, even if they share an address.

Annual Reconciliation (Definitieve Berekening)

The Zorgtoeslag you receive throughout the year is a provisional advance (voorschot) based on your estimated income. After the year ends, the Belastingdienst performs a definitive calculation (definitieve berekening) based on your actual income as reported in your tax return.

How the Reconciliation Works

1. During the benefit year: You receive monthly payments based on your estimated income.
2. After filing your tax return (typically due May 1 of the following year): The Belastingdienst compares your estimated income with your actual income.
3. Definitive calculation issued: Usually within a few months of your tax return being processed, you receive a definitive calculation letter (definitieve beschikking).
4. Possible outcomes:
   • You received too little: The Belastingdienst pays you the difference.
   • You received the correct amount: No action needed.
   • You received too much: You must repay the excess amount.

Avoiding Repayment Surprises

Repayment obligations (terugbetaling) are one of the most common issues with the Zorgtoeslag. They typically occur when:

• Your income was higher than estimated (e.g., you received a raise, bonus, or worked overtime)
• You forgot to report a change in circumstances (e.g., new tax partner with additional income)
• Your estimated income was too low when applying

To minimize repayment risk:

• Update your income estimate promptly via Mijn Toeslagen whenever your circumstances change
• Use the proefberekening tool periodically to check your estimated entitlement
• If in doubt, request a lower advance rather than risk overpayment
• Check your annual jaaropgave (income statement from employer) and compare it to your estimated income

Repayment Arrangements

If you do receive a repayment notice, the Belastingdienst typically deducts the overpayment from future benefit payments. If you no longer receive benefits, you will need to repay directly. Payment arrangements can be made if you are unable to repay in full immediately — contact the Belastingdienst/Toeslagen helpline (0800-0543) to discuss options.

Interaction with Other Dutch Benefits (Toeslagen)

The Zorgtoeslag is one of four main toeslagen (allowances) administered by the Belastingdienst. All four share similar structures in terms of application, income testing, and annual reconciliation. Understanding the full picture helps you maximize your benefits.

The Four Main Toeslagen

Shared Features

All toeslagen share these characteristics:

• Applied for through Mijn Toeslagen using DigiD
• Income-dependent — higher income means lower benefits
• Paid as provisional advances subject to year-end reconciliation
• Use the same toetsingsinkomen (assessed income) concept
• Share the same tax partner rules
• Asset tests apply (though thresholds may differ)

Applying for Multiple Toeslagen

When you apply through Mijn Toeslagen, you can apply for multiple benefits simultaneously. The system will assess your eligibility for each one based on the information you provide. If you qualify for Zorgtoeslag, there is a good chance you may also qualify for Huurtoeslag (if you rent) or Kindgebonden Budget (if you have children).

The Eigen Risico (Mandatory Deductible)

The eigen risico (mandatory deductible) is an important part of the Dutch health insurance system that is often confused with the Zorgtoeslag. Understanding how it works separately from the premium subsidy is essential.

How the Eigen Risico Works

Every insured person aged 18 and over has a mandatory deductible of €385 per year in 2026. This means:

• For most types of care, you pay the first €385 of costs yourself each calendar year.
• After reaching the €385 threshold, your insurer covers remaining costs for the rest of the year.
• The deductible resets to zero on January 1 each year.

What Is Excluded from the Eigen Risico

Certain essential services are exempt from the deductible — you don’t pay anything out of pocket for:

• GP (huisarts) consultations and referrals
• Maternity care (verloskundige zorg) and postnatal care
• Integrated care for certain chronic conditions (diabetes type 2, COPD, cardiovascular risk management)
• District nursing (wijkverpleging)
• Care for children under 18

Optional Higher Deductible (Vrijwillig Eigen Risico)

You can choose a voluntary additional deductible on top of the mandatory €385, in exchange for a monthly premium reduction. The options are:

Choosing a higher deductible makes sense if you are young and healthy and rarely need medical care beyond GP visits. However, if you have chronic conditions or anticipate needing specialist care, the mandatory €385 deductible is usually the wiser choice.

Zorgtoeslag and Eigen Risico

It is important to keep the allowance and deductible separate. Zorgtoeslag is the means-tested benefit administered by Dienst Toeslagen; the €385 eigen risico is a cost rule in the health-insurance system. Check your insurer or municipality for any separate payment or support arrangement rather than assuming that a Zorgtoeslag award settles a deductible bill.

For Expats and International Workers

The Netherlands attracts a large international workforce, and navigating the healthcare and benefits system as a newcomer can be challenging. Here is what expats need to know about the Zorgtoeslag.

Registering for Healthcare as an Expat

When you move to the Netherlands, first establish whether Dutch insurance is required in your situation. If it is, the practical sequence is:

1. Register in the BRP (Basisregistratie Personen / Personal Records Database) at your local municipality (gemeente). This gives you a BSN.
2. Purchase health insurance from a Dutch insurer. You can compare policies at comparison sites such as Independer.nl or Zorgwijzer.nl.
3. Apply for DigiD using your BSN.
4. Apply for Zorgtoeslag through Mijn Toeslagen once you have DigiD and health insurance.

EU Coordination Rules

If you are an EU/EEA citizen working in the Netherlands, you are generally insured under Dutch social security rules, including the obligation to take out Dutch health insurance. Under EU Regulation 883/2004, you are insured in the country where you work, not where you reside (with some exceptions for frontier workers and posted workers).

If you work in the Netherlands but live in another EU country, the situation is more complex. You may be entitled to healthcare in your country of residence at the Netherlands’ expense through an S1 form, but the Zorgtoeslag applies specifically to those paying Dutch health insurance premiums.

Income questions for international workers

Do not infer your Zorgtoeslag income from a headline salary or from an expat tax arrangement. Dienst Toeslagen uses toetsingsinkomen, which is approximately annual gross income but can include holiday pay and other specified items. Use the official calculation tools, include the income of a toeslagpartner where required, and update the estimate when your employment or pay changes.

Challenges for Expats

• DigiD processing time: The activation letter is sent by postal mail, which can take up to 2 weeks (longer for international addresses). Plan ahead.
• Dutch-language portal: While the Belastingdienst website has English pages, the Mijn Toeslagen portal and many letters are primarily in Dutch. Use browser translation tools or seek assistance.
• Leaving the Netherlands: If you leave the Netherlands, you must cancel your health insurance and your Zorgtoeslag. Failure to do so can result in repayment obligations.
• Partner abroad: If your tax partner does not live in the Netherlands and has no Dutch income, special rules apply. Consult the Belastingdienst for guidance.

Impact and Scale

The Zorgtoeslag is one of the largest social benefit programs in the Netherlands, reflecting the country’s commitment to affordable healthcare for all.

Key Statistics

• Number of recipients: Approximately 4.5 million people receive Zorgtoeslag, representing roughly a quarter of the Dutch population.
• Maximum single-person award: €1,574 for 2026, rounded to about €131 per month.
• Maximum household award with a toeslagpartner: €3,010 for 2026, rounded to about €251 per month.
• Average basic-insurance premium: The Dutch government reports about €157 per month for 2026, but the allowance does not vary with the insurer’s chosen premium.

Role in Healthcare Equity

The Zorgtoeslag plays a critical role in the Dutch healthcare equity framework by ensuring that the mandatory nature of health insurance does not create a regressive burden on lower-income households. Without the Zorgtoeslag:

• A person on minimum wage would spend approximately 8–10% of their net income on health insurance premiums alone.
• With the Zorgtoeslag, the effective cost is reduced to approximately 2–4% of net income.
• This compression of healthcare costs as a share of income is a deliberate policy choice that supports the Dutch principle of solidarity (solidariteit) in healthcare financing.

Political and Policy Context

The Zorgtoeslag has been the subject of ongoing political debate. Some parties advocate for incorporating the health insurance premium entirely into taxation (eliminating the need for a separate allowance), while others prefer the current market-based system with subsidies. Regardless of the political direction, the Zorgtoeslag remains a cornerstone of Dutch social policy and is likely to continue in some form for the foreseeable future.

Common Pitfalls and Tips

Pitfall 1: Not Adjusting Your Income Estimate

The most common problem with the Zorgtoeslag is receiving a repayment notice because your actual income was higher than estimated. This happens when people apply at the start of the year with a low income estimate and then receive raises, bonuses, or additional income throughout the year. Tip: Log in to Mijn Toeslagen at least once every few months to update your income estimate.

Pitfall 2: Forgetting to Report Life Changes

Changes such as moving in with a partner, getting married, having a child, or starting/stopping employment can affect your Zorgtoeslag. Failure to report them promptly can lead to incorrect payments and repayment obligations. Tip: Report changes through Mijn Toeslagen or the Toeslagen app as soon as you know the estimate has changed.

Pitfall 3: Not Applying at All

Many people — especially expats, students, and those new to the workforce — simply don’t know they are eligible for Zorgtoeslag. If you have health insurance and earn below the income threshold, you should apply. Tip: Use the trial calculation (proefberekening) to check eligibility even if you’re unsure.

Pitfall 4: DigiD Issues

Without DigiD, you cannot access Mijn Toeslagen. DigiD activation takes time because the activation code is sent by postal mail. If you move addresses during the activation process, the code may be sent to the wrong address. Tip: Apply for DigiD as soon as you receive your BSN and are registered in the BRP.

Pitfall 5: Ignoring Letters from the Belastingdienst

The Belastingdienst communicates important information — including repayment notices, requests for additional information, and definitive calculations — by letter. Ignoring these letters can lead to escalating debt and enforcement actions. Tip: Open and respond to all letters from the Belastingdienst promptly. If you don’t understand them, seek help from the Belastingtelefoon (tax helpline) at 0800-0543.

Pitfall 6: Having a Bank Account Not in Your Name

The Zorgtoeslag can only be paid into a Dutch bank account that is in your name (or a joint account where you are one of the holders). If your bank account does not match your BSN, the payment may be blocked. Tip: Ensure your bank account is properly registered with the Belastingdienst.

Pitfall 7: Not Canceling When Leaving the Netherlands

If you leave the Netherlands permanently, you must cancel both your health insurance and your Zorgtoeslag. Continuing to receive Zorgtoeslag after departure results in a full repayment obligation. Tip: Deregister from the BRP (uitschrijving) when leaving and proactively cancel your toeslagen.

General Tips for Maximizing Your Zorgtoeslag

• Compare health insurance annually during the open enrollment period (November–December). Choosing a cheaper insurer saves you money, and the Zorgtoeslag remains the same regardless of which insurer you use.
• Consider a group insurance (collectieve verzekering) through your employer, union, or association for discounts of up to 10% on the nominal premium.
• File your tax return on time to ensure the definitive calculation can be completed promptly.
• Keep your Mijn Toeslagen profile up to date with your current address, bank account, and income estimate.

Common Questions (FAQ)

1. Can I receive Zorgtoeslag if I work part-time?

Yes. The Zorgtoeslag is based on your total annual income, not whether you work full-time or part-time. If your income falls below the threshold, you are eligible regardless of your employment status. Many part-time workers, freelancers, and people on flexible contracts receive Zorgtoeslag.

2. I just moved to the Netherlands. When can I apply?

You can apply for Zorgtoeslag as soon as you have:

• A BSN (obtained through BRP registration at your municipality)
• A Dutch health insurance policy
• A DigiD (apply at digid.nl after receiving your BSN)
• A Dutch bank account in your name

After the application, Dienst Toeslagen says you usually receive the voorschotbeschikking within 5 weeks. The first payment follows that decision rather than arriving simply because the online form was submitted.

3. What happens if my income changes during the year?

You should update your income estimate in Mijn Toeslagen as soon as possible. The Belastingdienst will adjust your monthly payments going forward. If your income increases above the threshold, your payments will stop. If it decreases, your payments will increase. The definitive reconciliation at the end of the year will settle any remaining difference.

4. Can students receive Zorgtoeslag?

Yes. Students who are 18 or older and have Dutch health insurance can apply for Zorgtoeslag. Since most students have low incomes, they typically qualify for the maximum or near-maximum amount. Students receiving study financing (studiefinanciering) from DUO should note that study grants are generally not counted as income for Zorgtoeslag purposes, while student loans are also not counted. However, income from a part-time job is counted.

5. Do I need to reapply every year?

No. Once you are registered for Zorgtoeslag, the benefit automatically continues into the following year unless you cancel it or your circumstances change such that you are no longer eligible. However, you should review and update your income estimate each year when the new benefit year starts on January 1.

6. What if I disagree with the amount I was assigned?

You have the right to file an objection (bezwaar) within 6 weeks of receiving a decision letter (beschikking) from the Belastingdienst/Toeslagen. The objection should be submitted in writing, explaining why you believe the calculation is incorrect and providing supporting documentation. If the objection is unsuccessful, you can appeal to the administrative court (bestuursrechter).

7. Is the Zorgtoeslag taxable income?

No. The Zorgtoeslag is a tax-free benefit and does not need to be reported as income on your tax return. It is not subject to income tax or social contributions.

8. Can I receive Zorgtoeslag if I have a foreign health insurance policy?

Generally no. The Zorgtoeslag is specifically designed for people who are insured under the Dutch Zorgverzekeringswet. If you have a foreign health insurance policy (e.g., from another EU country or an international insurance plan), you typically do not qualify. However, if you are insured under Dutch social security rules and contribute to the Dutch healthcare system through the CAK (for example, as a treaty country pensioner), specific rules may apply. Consult the Belastingdienst/Toeslagen for your individual situation.

9. My partner earns above the income threshold, but I earn nothing. Can I still get Zorgtoeslag?

It depends. If your partner is your toeslagpartner, your incomes are combined. In 2026 the combined ceiling is €51,142. A household can therefore qualify with a moderate second income even when one person’s income alone would be above the single-person ceiling, but no allowance is due when the relevant combined toetsingsinkomen exceeds the official limit.

10. How do I cancel my Zorgtoeslag?

Log in to Mijn Toeslagen and select the option to stop (stopzetten) your Zorgtoeslag. You should cancel if:

• Your income has permanently risen above the threshold
• You are leaving the Netherlands
• You are no longer insured under the Zorgverzekeringswet
• Your circumstances have otherwise changed such that you are no longer eligible

Failure to cancel in time may result in receiving overpayments that you will be required to repay.

The Zorgtoeslag is a vital component of the Dutch social safety net, ensuring that the Netherlands’ mandatory health insurance system remains affordable for millions of residents. Whether you are a long-time Dutch resident, a recently arrived expat, or a student just turning 18, understanding and utilizing this benefit can make a significant difference in your monthly budget. With straightforward online application through Mijn Toeslagen and automatic annual continuation, there is little reason not to apply if you think you might be eligible. Use the trial calculation tool, keep your information up to date, and you will benefit from one of Europe’s most effective healthcare affordability programs.