Health Insurance — Mandatory
Required for everyone in the Netherlands. Cost €120-200/month. Apply for zorgtoeslag support if income under €38,000.
Professional Liability
Covers damage from errors in your work. Cost €20-80/month. Often required by clients.
Disability Insurance (AOV) — Most Important
Covers income loss due to illness/disability. Cost €100-350/month. Choose longer waiting period for lower premium.