If you are adopting a foreign child, you should insure your adopted child under Dutch national health insurance from the moment the adoption is officially finalised. It doesn’t matter if your adopted child is already in the Netherlands, or is still in the country of origin.
I’m going to adopt a foreign child
Dutch national health insurance for your adopted child
Your adopted child can be insured on your Dutch national health insurance for medical expenses free of charge until they are 18 years old.
The health insurer is obliged to accept your adopted child. But, in practice, it appears that not all health insurers do so as long as your child is not registered in the Netherlands. This means that it is possible that you won’t be able to insure your adopted child immediately.
What does OOM Verzekeringen offer?
If you are unable to take out Dutch national health insurance for your adopted child, you can, under certain conditions, take out OOM Temporary Residence Abroad Insurance. After your adopted child is insured under your Dutch national health insurance, you can terminate the insurance retrospectively. We will then refund any excess premium you have already paid.
What if you are uncertain?
We have put together this information with great care. However, the rules are complicated and are subject to change. To be certain of whether or not your adopted child needs to have Dutch national health insurance, please contact the Sociale Verzekeringsbank (SVB).