Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
AXA Global in Netherlands
AXA Global offers EU-regulated international health insurance with competitive pricing. For budget-conscious expats in the Netherlands who are exempt from mandatory Dutch insurance, AXA provides solid international coverage at lower premiums than many competitors.
EU Regulated
Consumer protections
20-30%
Below premium tier
Strong
EU presence
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Competitive international coverage.
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When AXA Makes Sense
Budget International Coverage
AXA works well for those who:
- Are exempt from Dutch insurance
- Want international coverage at reasonable cost
- Value EU regulatory protections
- Travel frequently within Europe
EU Presence
AXA's strong European operations mean:
- Understanding of EU healthcare coordination
- Experience with European claims
- Strong provider relationships in EU
Plans and Pricing
| Plan | Coverage | Netherlands (Age 35) |
|---|---|---|
| Comfort | Essential coverage | €130-170/mo |
| Standard | Standard + Outpatient | €190-250/mo |
| Comprehensive | Full coverage | €260-340/mo |
Value Position
AXA typically costs 20-30% less than premium competitors. The savings come with trade-offs—less extensive direct billing and potentially less hand-holding on complex claims.
Who Should Choose AXA in Netherlands
Good Fit
- Budget-conscious expats
- Those exempt from Dutch insurance
- EU travelers seeking value
- Self-sufficient individuals
- French expats (familiar brand)
Consider Alternatives
- Those required to have Dutch insurance
- Those wanting premium service
- US expats needing US coverage
- Those preferring extensive direct billing
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Disclaimer: Verify your Dutch insurance obligations before choosing international coverage.