Healthcare Subsidy
If you have Dutch health insurance and your income is below €40,857/year, the government pays part of your health insurance premium every month. In 2026, single students can get up to €129/month, which typically covers most or all of the basic premium. Students with part-time or no income almost always qualify.
Calculator
Calculate your amount
Move the slider to your estimated annual income
Your estimated zorgtoeslag
€106/mo
Based on 2026 official rates. Your exact amount is calculated by Belastingdienst.
How to apply
Make sure you have Dutch health insurance
You must have a Dutch zorgverzekering (health insurance) to qualify. EU students who work or study here are generally required to get Dutch insurance. Get insured first if you aren't already.
Compare health insurersApply via Mijn Belastingdienst Toeslagen
Log in with DigiD and apply for zorgtoeslag. It takes under 10 minutes. Enter your estimated annual income and your insurer's details.
Apply via Mijn ToeslagenPayments arrive monthly
Once approved, you'll receive the subsidy every month directly to your bank account. It starts from the month you applied.
Common mistakes to avoid
Thinking DUO studiefinanciering counts as income: it does NOT, so many students qualify even when they assume they earn too much
Forgetting to apply as soon as you get Dutch health insurance: no backdating beyond 3 months
Not updating your income estimate at year-end: overpayments must be repaid
Tips for students
You can apply for zorgtoeslag and huurtoeslag at the same time through Mijn Belastingdienst Toeslagen. Takes 10 minutes total.
DUO bursary income is excluded from the income calculation: a very common misconception
Apply as early as January 1 of the year you become eligible: payments are not backdated
Official sources
Information is based on official 2026 eligibility rules and verified government sources. Amounts shown are maximums. This tool provides guidance only and is not legal or financial advice. View sources →