The Netherlands has one of the most developed benefits systems in Europe. The zorgtoeslag and huurtoeslag are the two financial benefits that most low-to-middle income residents are entitled to — including expats. Yet many foreigners never apply because they do not know these benefits exist, or assume they do not qualify. This article gives you the key information to find out if you can benefit.
Zorgtoeslag: the health insurance allowance
The zorgtoeslag is a monthly contribution from the Dutch government to help cover the cost of compulsory health insurance. In 2024, the maximum benefit is approximately €154 per month for individuals and €297 per month for couples. It is calculated based on the previous year's income and paid directly into your bank account every month.
To be eligible, your annual income must not exceed certain limits: €38,520 for individuals and €48,224 for couples in 2024. It is important to apply as soon as you have your BSN and health insurance in place, as the Belastingdienst only accepts backdating within the current tax year.
Huurtoeslag: the rent allowance
The huurtoeslag is a monthly subsidy to help pay your rent. To qualify, your monthly rent must not exceed certain limits — approximately €879 per month in 2024 — and your annual income must fall below the thresholds set annually by the Dutch government.
The amount varies by income and rent level, but can cover between €50 and €400 per month. It is particularly relevant for those settling in cities with high rents, where this allowance can make a substantial difference to your monthly budget.
Who can apply?
Any resident in the Netherlands with a BSN can apply for these benefits, regardless of nationality, as long as they meet the income and housing requirements. Interns, international students with part-time jobs, and newly arrived employees can all potentially qualify.
A useful detail for newcomers
These subsidies are calculated on the previous year's income. If you arrive in the Netherlands mid-year with low earnings, your attributable income for that year will be lower — which can entitle you to higher amounts during your first tax year. This often pleasantly surprises people who arrive in summer or autumn, as they can receive larger payments during their first few months.