Health care allowance
The health care allowance ('zorgtoeslag') is a state subsidy towards the costs of a Dutch health care insurance plan. It is mandatory to have this kind of insurance in the Netherlands. The allowance is available for residents on a low income.
Conditions
The main conditions are:- you are at least 18 years old
- you have a Dutch health care insurance
- you are a Dutch national or you have a valid residence permit
- your income (jointly with your fiscal partner) does not exceed a set maximum (see below)
- your assets (jointly with your fiscal partner) do not exceed a set maximum (see below)
Income ceiling
The Dutch parliament sets eligibility ceilings each year for the health care allowance.
The ceilings as of 1 January of the applicable year are:
Year | Income ceiling | Income ceiling with partner | Max assets | Max assets with partner combined |
---|---|---|---|---|
2024 | €37,496 | €47,368 | €140,213 | €177,301 |
2023 | €38,520 | €48,224 | €127,582 | €161,329 |
How much can you receive?
The amount of health care allowance you can receive depends on your income and whether you're applying as an individual or a couple. For 2024, single individuals can receive up to €123 per month, while couples can receive up to €236 per month. However, it's important to note that these are maximum amounts, and the actual allowance decreases as your income increases. The Dutch government uses a sliding scale to determine the exact amount, ensuring that those with lower incomes receive more support. It's advisable to use the Belastingdienst's online calculator to get an estimate of your potential allowance based on your specific circumstances.
How to apply
Applying for the health care allowance is done through the Dutch Tax and Customs Administration (Belastingdienst) website. You'll need a DigiD (Dutch digital identity) to log in and access the application form. The process involves providing information about your income, assets, and health insurance status. If you're new to the Netherlands or don't have a DigiD yet, you'll need to apply for one first, which can take a few days to process. For those who prefer not to apply online, it's possible to request a paper application form, although this method may take longer to process.
When to apply
You can apply for the health care allowance at any time during the year, but it's best to do so as soon as you become eligible. This ensures you don't miss out on any payments you're entitled to. If you're new to the Netherlands, you should apply once you've arranged your Dutch health insurance and have a valid residence permit. Keep in mind that the allowance is not automatically granted; you must actively apply for it. Even if you're unsure about your eligibility, it's worth applying, as the Belastingdienst will assess your situation and inform you of the outcome.
Retroactive applications
The Dutch system allows for retroactive applications of the health care allowance, which can be particularly beneficial if you've recently become aware of your eligibility. You can apply for the allowance retroactively for the current year and the previous year. For example, in 2024, you can still apply for the 2023 allowance until September 1, 2024. This flexibility ensures that you don't miss out on benefits you were entitled to, even if you didn't apply immediately. However, it's important to note that you can't claim for years prior to the previous year, so it's always best to apply as soon as possible.
Changes in circumstances
It's crucial to inform the Belastingdienst promptly if your circumstances change, as this can affect your eligibility or the amount of allowance you receive. Changes that need to be reported include increases or decreases in income, changes in relationship status (such as getting married or separating), or changes in your residency status. Failing to report these changes could result in overpayments that you might have to pay back later, which can be financially challenging. The Belastingdienst provides an online portal where you can easily update your information. It's a good practice to review your situation annually, even if you think nothing has changed, to ensure your allowance remains accurate.