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How to apply for a Dutch visa

Having trouble applying for a Dutch visa? Organising visas can often feel overwhelming, but it doesn’t have to be\!

Whether you’re planning to visit, study, work, or join family in the Netherlands, understanding the process makes things much easier.

> In this guide, you’ll learn:
> 
> * The main types of Dutch visas
> 
> * How the application process works
> 
> * What documents you need
> 
> * And where to find official, up-to-date information

By the end, you’ll know exactly what to expect and how to approach your Dutch visa application with confidence.

Here we go\!

## **Choosing the right visa**

Before applying, you’ll need to figure out which visa is right for you. The type you need depends on the length and purpose of your visit.  

If you’re staying in the Netherlands for **under 90 days**, you’ll need to apply for the **short-stay Schengen visa**. These are common for tourism, business trips, or short study programs. 

Short-stay Schengen visas:

* Allow you to travel across all 27 Schengen countries  

* Maintain a **90/180-day rule** (you can stay up to 90 days in any 180-day period)  

* Can be either **single entry** (leave once, it’s over) or **multiple entry** (come and go within the validity period)

If you plan on moving **long-term (more than 90 days)**, you’ll need a **long-stay MVV visa** ([machtiging tot voorlopig verblijf](https://ind.nl/nl/machtiging-tot-voorlopig-verblijf-mvv)). Think of it as the entry ticket for your **residence permit**. 

You apply for the MVV from abroad, typically with the assistance of your sponsor. Once you arrive in the Netherlands, you pick up your residence permit at the IND office.

You typically need an MVV if you’re:

* A **student** enrolled in a Dutch university. Universities usually apply on your behalf once you’re admitted.

* An **employee** with a work contract. Employers typically handle most of the application process, and you provide supporting documents.

* A **family member** joining a Dutch resident or citizen.

One common misconception is that you can enter the Netherlands on a tourist visa and then switch to a work visa within the country. That’s usually not allowed, and you’ll need to apply from outside the country.

## **Step 1: Complete the Dutch visa application form**

The first step is to complete the official visa application form. Where you find this form and how you submit it depend on the type of visa and your location.

For **short-stay Schengen visas**, forms are available on the website of your local Dutch embassy or consulate. Some countries handle applications through [VFS Global](https://www.vfsglobal.com/en/individuals/index.html), which can also provide the forms.

For **Long-stay MVV visas**, the Dutch Immigration and Naturalisation Service (**IND**) provides the forms and guidance directly on their website. 

There are three main ways to submit your application forms :

* **Directly through the IND**: Mostly for residence permits when your sponsor applies on your behalf.

* **At a Dutch embassy or consulate**: You make an appointment, bring your documents, and submit the form in person.

* **Through VFS Global**: In many countries, the Netherlands outsources Schengen visa handling to VFS. You apply via their website and attend an appointment at their office.

**Online applications** are available in some countries, but not all. The safest bet is to check the exact requirements listed on your local embassy’s website.

## **Step 2: Prepare the required documents**

The Dutch authorities tend to be quite strict when it comes to documents. Having everything in order is what makes or breaks your application.

For all visa types, you’ll need:

* A completed and signed visa **application form**.

* **A passport, valid at least 3 months beyond your planned departure** from the Schengen area, with at least 2 blank pages.

* **Two passport photos** (35 x 45 mm)

* **Proof of accommodation**, such as a hotel booking, rental contract, or invitation letter from a host.

* **Travel itinerary**, including flight reservations and any internal travel plans.

* **Financial proof** showing you can support yourself (bank statements, pay slips, or sponsorship letters)

* [**Visa-compliant Dutch health insurance**](https://feather-insurance.com/en-nl/health-insurance/expat), with at least €30,000 in coverage across all Schengen countries. 

Depending on your situation, you may also need:

* An **employer letter** confirming your job, salary, and approved leave (for workers)  

* An **enrollment certificate** or admission letter from a Dutch university (for students)  

* A **formal invitation letter and proof of family relationship** (for those joining their family in the Netherlands)

Remember to double-check every document against the embassy’s checklist. Small errors are one of the most common reasons for rejection, and yet they’re the easiest to prevent\!

## **Step 3\. Book an appointment** 

Once your documents are ready, the next step is to secure an appointment. Without it, you can’t move forward.

You’ll book your appointment with the **nearest Dutch embassy or consulate**. If you’re unsure, the [official Dutch embassy and consulate directory](https://www.government.nl/topics/embassies-consulates-and-other-representations) can help you figure out where to go. 

In many regions, such as South Asia, Africa, and parts of Latin America, the Netherlands outsources visa applications to **VFS Global** or other service centers. 

Wait times vary, depending on where you’re applying from: 

* In **Europe/North America**, appointments are usually available within weeks.

* In **South Asia,** high demand often results in waiting periods of 1–3 months.

* In **Africa,** wait times often stretch longer due to limited staff.

Because of these differences, it’s best to check availability as soon as you know your travel dates. As always, the best way to secure an appointment is to **book early**\!

## **Step 4: Attend your visa interview**

The interview is where the consular staff checks your documents and asks you some brief questions about your stay. 

During your interview, **you’ll likely be asked about**:

* The purpose of your visit   

* The length of your stay

* Your financial situation 

* Ties to your home country

Keep your answers **clear, concise, and in line with your application documents**. Remember, consular officers want straightforward explanations, not long-winded speeches. 

To ensure a smooth process, we recommend bringing copies of your **bank statements**, **travel** **itinerary**, and any **relevant letters from employers or universities**. 

## **Step 5: Provide biometric information**

At your appointment, you’ll also need to provide biometric data to secure your visa and expedite checks at Schengen borders.

You’ll have to provide your:

* **Fingerprints**: Usually all ten, scanned digitally.

* **Photo**: Taken on the spot, even if you’ve submitted passport photos.

* **Digital signature**: Captured electronically.

The EU uses the **Visa Information System (VIS)** to store this data. Once collected, it’s valid for **five years** for repeat Schengen visa applications. 

Certain individuals are **exempt** from providing biometric information, including **children under 12** and certain **government officials**. 

## **Step 6: Pay the visa application fee**

Every application comes with a fee, which you must pay before your visa can be processed.

Here are the typical prices for Schengen and long-stay visas: 

* **Schengen short-stay visas**: Around €80 for adults, €40 for children aged 6–12, and free for children under 6\.

* **Long-stay MVV visas**: Fees vary widely depending on purpose, usually between **€210 to €350**.

Always check the **official embassy or IND website**, since fees are updated regularly and can differ slightly by location.

Accepted payment methods include: 

* **Cash**: Common at embassies or VFS centers, though not always preferred.

* **Credit or debit card**: Increasingly accepted, but please check with your local center for details.

* **Bank transfer**: Sometimes required for long-stay permits through the IND.

The payment method you can use depends on where you’re applying from, so it’s best to confirm in advance with your local office what they accept.

It’s also important to note that **visa fees are non-refundable**, even if your application is denied. 

## **Step 7\. Wait for processing** 

Once everything is submitted, it’s time to wait. Processing times vary, but knowing what to expect can save you stress.

Here are the typical processing times:

* **Schengen short-stay visas** are usually decided within **15 calendar days**. In busy seasons (during the summer holidays, for example), it may take up to 45 days.

* **MVV visas** take longer to process, often **60–90 days,** depending on the type and the IND’s workload

Your case might take longer if:

* Documents are **incomplete or inconsistent**.

* Authorities should conduct **additional background checks**.

* The application is **complex** (e.g., unusual work arrangements or family reunification cases).

Delays can be frustrating, but most are routine and don’t mean rejection.

To **track the progress** of your application, you can check out embassy/consulate websites or your IND online account (for MMV visa applicants). 

## **Receiving your Dutch visa**

Congratulations\! You’ve received your visa sticker or residence card, and you can now breathe easy. 

There are, however, a few key points to keep in mind. 

**Visa extensions** for Schengen visas are extremely rare and only granted in exceptional circumstances. 

Residence permits, on the other hand, can usually be extended from within the Netherlands before your permit expires

It’s also good to know that you can’t **convert a short-stay Schengen visa into a residence permit** while in the Netherlands. For most long-term stays, you need to apply for an MVV from abroad.

## **What to do if your visa is refused**

Rejections happen. Whilst disappointing, it doesn’t mean all hope is lost. Here’s what to do:

* **Read the refusal letter carefully**: It explains the reason for your rejection (missing proof, insufficient funds, unclear travel plans).

* **Appeal**: You normally have the right to appeal within a set timeframe.

* **Reapply**: Fix the issues, and try again. This is often a faster route than filing an appeal. 

The key is not to give up\! Many people succeed after addressing the reasons for their first rejection and reapplying. 

## **Conclusion**

When travelling to the Netherlands, visas shouldn’t be too much of a concern. The process is straightforward, and if you follow the steps we’ve outlined here, you’ll be on your way in no time. 

The key is to plan ahead. Identify which visa is right for you and prepare the required documents well in advance to reduce stress and ensure everything runs smoothly.

That way, you can apply with confidence and focus on making the most of your time abroad\!

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Life Insurance in the Netherlands Hero Image

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Life insurance in the Netherlands (levensverzekering)

Thinking about what would happen to your loved ones if you weren’t around is never easy. 

But there’s a hard truth: 

Losing an income can leave families in a (very) tough spot. Especially with big expenses like housing, childcare, or debts still on the table.

But it’s not all bleak.

[Life insurance in the Netherlands](https://feather-insurance.com/en-nl/life-insurance) (levensverzekering) is designed to step in at exactly that moment. With the right policy, your family gets financial breathing room when they need it most. 

That means stability, security, and a clear plan for the future.

However, navigating Dutch insurance options can be challenging, especially for expats. 

The good news? 

Once you understand how it works, you can make confident choices without second-guessing yourself.

> In this post, you’ll learn:  
> - What life insurance in the Netherlands actually covers  
> - Who benefits most from having a policy  
> - The main types of coverage (and how to choose between them)  
> - How much protection you really need to avoid your family hardship

## What is Dutch life insurance?

Life insurance in the Netherlands aims to protect your family’s financial security if you pass away. 

The policy pays out a lump sum to the beneficiaries you name, providing them with the support they need to cover major expenses and maintain stability during a challenging time.

Losing a household income can create serious financial pressure. A Dutch life insurance plan helps bridge the gap by covering costs that government benefits alone may not fully address. 

This makes it valuable for families who want peace of mind with:

* Paying off a home loan or other debts

* Covering everyday living expenses for several years

* Saving for children’s university or other education costs

## Who needs life insurance in the Netherlands?

Life insurance in the Netherlands is primarily designed for individuals who have dependents financially reliant on their income. 

If you support a spouse, child, or parent financially, this policy provides essential protection. 

But if nobody relies on your earnings, you may not need coverage at all. 

Many adults start considering life insurance after becoming parents, since children immediately create financial responsibility. 

An exception may be families who can live comfortably on savings or another partner’s income.

Here are the groups who benefit most from life insurance:

### Parents with children

Coverage can help cover everyday expenses such as daycare, school fees, housing, and even college tuition. 

If your children are older, you may only want to have a policy lasting until they are financially independent.  

### Main earners in the household

Life insurance secures the financial stability of a partner who does not earn enough to handle monthly bills alone.  

### Business owners

A policy ensures there is money available to keep the company operating if the owner passes away.  

### Adults with little savings

In this case, insurance can cover funeral expenses and prevent financial strain on loved ones.  

### Adults with outstanding debts

Coverage can help settle loans so they do not fall on family members.  

Financial experts agree that life insurance in the Netherlands is most valuable for those who provide direct support to others. It is not always a lifelong need; many people only purchase coverage for the years they are responsible for their family’s well-being.

## How does life insurance work in the Netherlands?

When you take out a life insurance policy, you agree to pay a monthly or annual premium. In return, the insurer promises to pay a set amount of money (called the *death benefit*) to your chosen beneficiaries if you pass away during the policy period.

With this amount, your family can continue to maintain their standard of living, cover funeral expenses, settle your debts, and even set aside some leftover money.

## Terms vs. whole vs. variable life insurance

Life insurance comes in different types. The three most common are **term life insurance**, **whole life insurance**, and **variable life insurance**. Each type works differently, offers unique benefits, and comes with its own drawbacks. 

Here’s how each of them works:

* **Term life insurance:** You pay a fixed premium for a set period (for example, 10, 20, or 30 years). If you pass away during this time, your family gets a payout. This is the most straightforward type of policy, and is often available through Dutch banks or insurers.

* **Whole life insurance:** Coverage lasts your entire life. Premiums are higher, but the policy builds a “cash value” over time. That means a portion of your payment is put into a savings account, which earns interest. Dutch insurers may not always offer this option, so you may need to consider an international provider. Premiums are **significantly** higher than those for term policies.

* **Variable life insurance:** Similar to whole life, but your cash value is invested in funds like stocks or bonds. Returns depend on the market. These are, again, less common in the Dutch market (though they are still available). If you choose to go with an international provider, be cautious of fees and taxes.

Here’s a brief summary of each type’s pros, cons, and who it’s for:

| Type of policy | Pros | Cons | Who it’s for |
| :---- | :---- | :---- | :---- |
| **Term life insurance** | Usually the cheapest, clearest, and simplest option | No payout if you outlive the term. If you choose to renew, you’ll pay higher premiums. | People who want affordable coverage to protect dependents or a mortgage |
| **Whole life insurance** | Lifelong coverage, and it helps you build savings. | Expensive, and using your cash value comes with numerous conditions. | Those seeking lifetime security and long-term wealth planning |
| **Variable life insurance** | Has an investment growth potential and offers some flexibility in where you want to invest. | Returns are tied to the market (risky).  Contracts are complicated to compare and impose high fees. | Experienced investors who want both protection and investment in one plan |

## How to get life insurance in the Netherlands

The first step is research. In the Netherlands, most people start with **online comparison sites** like Independer or Pricewise. These let you filter policies by:

* coverage amount

* monthly premium

* contract length

If you’d rather not dive into Dutch-language websites, consider working with a **broker (tussenpersoon)**. A broker can explain terms in plain English, compare products from multiple insurers, and handle the paperwork for you.

Alternatively, Feather offers life insurance 100% in English, including sign-ups, contracts, claims, and more.

Insurers usually ask for these documents:

* Your BSN (citizen service number)

* a valid residence permit

* a Dutch bank account (to pay monthly premiums)

These confirm that you’re legally living in the Netherlands and connected to the financial system.

Once you’re ready and have all the documents, here’s what the process looks like:

1. **Choose a provider:** Decide whether you’ll go with a comparison site or a broker. Your choice depends on your comfort with Dutch and how much personal support you want.
2. **Answer health and lifestyle questions:** Expect detailed questions about your health, smoking habits, family history, job, and lifestyle. Riskier jobs or hobbies may lead to higher premiums.
3. **Decide the coverage amount:** Think about how much your dependents would need if you weren’t around. Include funeral costs, debts, living expenses, and future needs like education.
4. **Pick the contract length:** Life insurance terms are flexible. Some last 10 years, others 30\. Choose based on your family situation (like whether your kids will need support through university, or how long you’ll be paying off a mortgage).
5. **Submit documents and wait for approval:** Once all documents are submitted, the insurer reviews your application. This can take longer for expats if extra documents are required.

## How much does life insurance in the Netherlands cost?

Premiums vary depending on several risk factors:

* **Age:** Younger applicants typically pay far less than older ones.    
* **Health:** Existing medical issues, weight, or chronic illnesses can lead to increased costs.    
* **Lifestyle:** smoking or high-risk professions typically push rates higher.    
* **Coverage and duration:** Larger payouts and longer terms result in higher monthly premiums.  

For example:

* A healthy non-smoker aged 35 might pay €10 to €20 per month for €200,000 of coverage on a 20-year policy.  
* By age 45, the same plan could cost nearly twice as much.

If you want to lower your premiums, here are 4 tips we recommend to everyone:

1. Apply while you are younger to secure lower rates.    
2. Use decreasing-term insurance if your goal is to cover your mortgage.    
3. Improve health markers, such as quitting smoking or reducing weight.    
4. Compare offers through independent platforms like Independer or Pricewise instead of accepting the first option that comes across your desk.

## How much death benefit do you need?

Figuring out the right death benefit isn’t about guessing a number. 

It’s about ensuring your family's financial security, without overpaying. 

For expats in the Netherlands, the calculation is slightly more complex. You’re balancing Dutch living costs, local benefits, and maybe even financial ties back home. 

Let’s break it down.

A common benchmark is to aim for **5–10 times your annual income**.

Why? 

That cushion helps your family maintain their lifestyle while they adjust and make long-term plans.

But… Expats often have different financial setups from locals. 

Perhaps you’re renting instead of buying, or your kids’ international schooling costs are higher. 

That’s why it pays to refine the number to your specific situation and consider the expenses your family would face without your income. 

Here are the big ones:

* **Housing costs**: Mortgage balance or long-term rent. This is usually the biggest line item. Aim to cover your mortgage entirely, or pay for 3 to 5 years’ worth of rent

* **Childcare and education**: Daycare, after-school care, or international school fees. Generally, you can assume that amount to be between €150,000 and €300,000 per child.

* **Debts**: Credit cards, personal loans, or anything that shouldn’t fall on your partner or kids. 

* **Everyday living**: Groceries, transport, utilities, health insurance, and healthcare. 

**For example:**

Let’s say you earn €60,000 per year, have a €200,000 mortgage, and two children in daycare. 

Covering the mortgage plus at least 10 years of childcare and schooling could push your coverage needs closer to €600,000–€700,000.

## Will the Dutch government tax the payout?

The short answer is that life insurance payouts in the Netherlands are **not taxed as income**, but **inheritance tax** does come into play.

Here’s how it works:

Instead of income tax, payouts may fall under **inheritance tax (erfbelasting)**. This is where things get more complicated (especially for foreigners).

The tax depends on two factors:

1. **The relationship** between the insured person and the beneficiary.
2. **The “exemption amount”** (the portion of a life insurance payout that beneficiaries can receive tax-free before Dutch inheritance tax applies), which is updated every year.

Here’s how it typically works:

* **Spouse or registered partner**: very high exemption. In many cases, most or all of the payout is tax-free.

* **Children**: smaller exemption. Anything above that amount is taxed.

* **Others (siblings, friends, distant relatives)**: very limited exemption. Most of the payout will be subject to taxation.

If your beneficiaries **live outside the Netherlands**, their country may also tax the payout.

That creates a big problems: **Double taxation**. 

The Netherlands taxes the payout as inheritance, and the other country taxes it as well.

For expats, this is the ideal time to seek professional advice. A tax advisor familiar with **cross-border inheritance rules** can help you make sure your family doesn’t face unexpected bills.

## Alternatives to life insurance for Dutch residents

### Savings and investments

Some people choose to “self-insure” by building wealth rather than purchasing a policy.

If you have:

* A **savings buffer** large enough to cover debts,

* Or an **investment portfolio** that provides income for your dependents,

Then life insurance may be less essential.

The downside? This approach requires **discipline and time**. 

For people just setting up in the Netherlands, building sufficient savings takes years. Until then, we recommend life insurance.

### Employer’s survivor pensions (nabestaandenpensioen)

Many Dutch employers (sometimes, even unions or professional associations) include a **survivor pension** in their company pension scheme.

How does it work?

If you pass away while employed, your partner or children may receive ongoing payments. The amount depends on:

* Your **salary level**

* Your **years of service**

For expats, this is one of the first things to check. Log in to your pension portal or ask HR whether your contract includes a survivor pension. If it does, you may not need as much life insurance as you thought.

### Mortgage protection products

If your primary concern is keeping the family home safe, mortgage protection may be the solution.

These products are designed to **pay off the mortgage if one borrower dies**, ensuring that your partner or family can continue to live in the home.

However, keep in mind:

* Coverage is **limited to the mortgage**.

* It won’t help with living costs, education, or other expenses.

That’s why many expats skip mortgage protection and opt for a term life insurance policy instead.

### State benefits (anw)

The Dutch government offers a survivor benefit called **nabestaandenuitkering ANW**:

* It’s **means-tested** (based on your household income).

* It’s only available under **specific conditions**, like having young children or a disabled surviving partner.

* Payments are usually **too low to cover the totality of family expenses**.

For most expats, ANW is more of a small supplement than a realistic replacement for life insurance.

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Netherlands' visa requirements: Explained

Whether you’re visiting for a short trip, studying, working, or joining family, knowing the exact Dutch visa requirements helps you avoid delays, rejections, and unnecessary stress.

In this guide, you’ll learn:

* The different types of Dutch visas and when you need them
* The standard documents every application requires
* Extra paperwork for specific circumstances
* How long-stay (MVV) visas work
* And our tips for avoiding common mistakes 

By the end, you’ll know exactly what documents to prepare, how to prepare them, and have the confidence to successfully apply for a Dutch visa the first time around.

## Who needs a visa? 

If you’re planning a trip or a move to the Netherlands, the first thing to figure out is whether you need a visa at all. 

The rules vary depending on your nationality and the duration of your stay.

If you’re a **citizen of the EU, EEA, and Switzerland**, you can enter the Netherlands freely without a visa or residence permit, even for long stays.

For most other countries, you’ll need to apply for a visa.

The Netherlands has two types of visa:

* **Short Stay Schengen visa**: These are for anyone travelling to the Netherlands (or anywhere else in the Schengen are, for 90 days or less (with a 180-day period).   
* **National long-stay visa**: You’ll need one of these if you’re travelling long-term for work, study, or family reunification. They often require sponsorship from an employer, school, or family member.

For short stays, some countries, such as the US, Canada, Australia, and Japan, have agreements that allow their citizens to visit the Schengen Area visa-free for up to 90 days within a 180-day period.

You can find the full list of visa-free Schengen countries on the [European Union’s website](https://www.consilium.europa.eu/en/infographics/eu-visa-agreements-with-non-eu-countries/). 

## Required documents for a Dutch visa

No matter which visa you’re applying for, there are certain documents that you’ll likely be required to provide. 

These include:

* **A completed visa application form**: These can be downloaded from your local Dutch embassy or consulate website. Some allow online submission, while others still require paper copies.   
* **A valid passport**: Must be issued within the past 10 years, and be valid 3 months beyond your planned departure.   
* **Biometric photos**: 35x45cm, against a plain light background, with a neutral facial expression.  
* **Proof of accommodation**: Hotel bookings, rental contracts, or a notarized invitation from a host in the Netherlands.   
* **Travel itinerary**: You don’t usually need to buy flight tickets before applying. A reservation showing your planned entry and exit is often enough. This protects you in case your visa is refused.   
* [**Visa-compliant health insurance**](https://feather-insurance.com/en-se/health-insurance/expat): Must cover at least €30,000 in medical expenses, including emergency expatiation, across the entire Schengen area. Technically, this is optional, as you'll need to sign up for the [Dutch healthcare system](https://feather-insurance.com/en-nl/blog/health-insurance-netherlands-guide) as soon as you arrive, but we've seen a higher visa application success rate for our clients in the Netherlands if they have this. 
* **Proof of financial means**: Bank statements, pay slips, or a formal sponsorship declaration. You’ll usually need to prove that you can support yourself at €55 per day.

For the most up-to-date information, the Dutch government provides official checklists through the [Immigration and Naturalisation Service (IND)](https://ind.nl/en) and local embassies. 

Requirements also change over time, so it’s worth checking the most recent updates before you apply.

Since specifics do differ slightly depending on where you apply, it’s always a good idea to check beforehand with your local Dutch embassy or consulate.

## Additional documents

Beyond the standard checklist, you might be asked for additional documentation depending on the reason you’re coming to the Netherlands. 

The IND and embassies use these documents to confirm that your plans are genuine and that you meet the conditions for your visa type. 

Here are some instances where you may need to provide additional documents:

* **Visiting family/friends**: An invitation letter will be required. Your host may also need to submit a sponsor declaration (garantstelling) showing that they’ll cover your expenses if needed  
* **Joining family:** You’ll need to provide legal proof of family ties, like marriage or birth certificates. Most of these must be legalized or carry an apostille stamp, depending on your country.  
* **Employed**: Employees must usually provide an employer’s approval letter confirming their trip dates and job security.  
* **Self-Employed**: Self-employed applicants may need to provide tax filings, registration documents, or proof of financial stability. These help prove you’ll return home and can support yourself.  
* **Students**: You’ll need to show proof of admission from a Dutch school or research institute, along with financial information showing how you’ll fund your stay.  
* **Au pairs**: Au pair arrangements must go through an IND-recognized agency. Contracts outside of this system aren’t accepted.  
* **Retirees**: You’ll need to show proof of long-term financial security. This could be pension statements, proof of savings, or other evidence that you can sustainably support yourself.

If you’re moving to the Netherlands for work or study, you’ll also need coverage that goes beyond short-term travel. 

Exploring short-term [expat insurance](https://feather-insurance.com/en-nl/health-insurance/expat) might be worthwhile if you’re waiting to be accepted into the public system

Learn more about [**health insurance in the Netherlands**](https://feather-insurance.com/blog/health-insurance-netherlands-guide/)

## Additional documents for minors

When children apply for a visa to the Netherlands, embassies apply extra checks to protect them.

Authorities want to make sure both parents or legal guardians agree to the trip and that the child isn’t at risk of abduction.

Here’s what’s usually required:

* A **signed parental consent form** confirming the child has permission to travel.
* A **copy of the parents’ or guardians’ passports** or ID cards to verify signatures.
* The **child’s birth certificate** establishes the legal relationship.

In **dual custody situations**, both parents must give consent. If one parent cannot be present, their consent often needs to be notarized. 

If **only one parent has custody**, official proof (a court decision or custody certificate) must be submitted. 

Some countries may also require the consent documents to be legalized or carry an apostille. 

Because rules can differ, it’s always best to check the Dutch embassy’s checklist for minors in your country.

## Special requirements for long-stay (MVV) visa

If you’re planning to stay in the Netherlands for more than 90 days, you’ll likely need a **long-stay visa (MVV)**. This process includes additional steps to ensure you’re ready to settle in the country.

One of the biggest is the **civic integration exam abroad**. 

This covers basic Dutch language skills and knowledge of Dutch society, and many applicants must pass this test at the Dutch embassy in their home country before applying. 

The goal is to show you can adapt and understand everyday life in the Netherlands. Some groups, like young children or certain students, may be exempt.

Another key requirement is having a **recognized IND sponsor**. 

This sponsor can be an employer, a Dutch university, or a family member already living in the Netherlands. Only sponsors officially registered with the IND are accepted. 

The process starts with your sponsor applying to the IND. Once the IND approves, they issue an **approval letter (the MVV decision)**. You’ll need this letter in hand when you book your appointment.

## Legalization and translation of documents

When you submit foreign documents for a Dutch visa, they typically need to be **legally recognized** by the embassy or IND before they will be accepted. 

Whether or not your documents need legalisation depends on whether or not your country has signed the Hague Convention:

* **Hague Convention countries:** An **apostille stamp** from the issuing authority is enough to make the document valid in the Netherlands.
* **Non-Hague countries:** Documents must go through **full legalization**. This means approval from local authorities first, followed by the Dutch embassy or consulate in that country.

Additionally, your documents must be **translated by a sworn translator** if they aren’t in Dutch, English, French, or German. 

The exact process depends on where the documents were issued, so as always, it’s worth checking details with your local Dutch consulate or embassy. 

## Biometric data

All applicants, no matter which visa you’re applying for, must provide fingerprints and a digital photo. 

These are usually taken on-site during your appointment. 

Fingerprints are stored for roughly 5 years in the Schengen Visa Information System (VIS), so if you reapply within that window, you may not need to repeat them.

Some applicants, such as certain government officials or children under 6 years old, may be exempt. 

## Visa fees

When applying for a visa, everyone must pay a fee. 

These fees cover the cost of application, and are non-refundable even if your application is rejected. 

Prices differ based on the type of visa:

* **Schengen short-stay visas**: Around €80 for adults, €40 for children aged 6–12, and free for children under 6\.

* **Long-stay MVV visas**: Fees vary widely depending on purpose, usually between **€210–€350**.

**Methods of payment** differ by consulate/embassy. Some only accept cash, whilst others accept card or bank transfers.

Due to these small differences, it’s always worth reaching out to your local Dutch mission beforehand to make sure you aren’t caught off guard. 

## How to apply

Most people apply through the **Dutch embassy or consulate** in their country of residence. 

In many places, the Netherlands works with outsourced providers like VFS Global. These centers handle the intake, but decisions always come from the Dutch authorities.

You can apply as early as **6 months before your trip** (or 9 months for seafarers). The absolute latest is 15 days before departure.

Cutting it close is risky though, and processing times can extend during peak seasons, so applying well in advance is strongly advised.

Learn more about [**how to apply for a Dutch visa**](https://feather-insurance.com/en-nl/blog/visa-application-process)**.**

## Processing times

For **short-stay Schengen visas**, the standard processing time is about 15 calendar days. Some cases are faster, while others may take longer, especially if additional documents are required. 

For **long-stay MVV visas**, expect a more complex process that typically spans several weeks or even months.

Processing times for both Schengen and long-stay MVV do vary, and tend to be longer during peak seasons (July-August and December-January). 

## **Frequently asked questions**

### **Should documents be originals or copies?**

Most Dutch embassies r**equire the originals** of your documents and retain **copies** for their records.

Originals are usually returned during or after the appointment. However, if you submit notarized or legalized originals, the embassy may temporarily retain them for verification purposes. 

Because practices differ slightly from one mission to another, always double-check the **embassy’s specific checklist** before your appointment.

### **What if my passport has less than 6 months' validity?**

For a Schengen visa, the official rule is clear: your passport must be **valid for at least three months beyond your planned departure date and have been** issued within the last 10 years. 

If your passport doesn’t meet these validity rules, your visa application will be automatically rejected.

The best option is to **renew your passport** before applying.

### **Can I apply in a country where I am not a resident?**

Generally, you must apply for a Dutch visa in your **country of legal residence**. This allows the embassy or consulate to properly verify your ties and supporting documents.

There are exceptions. If there’s no Dutch representation in your home country, or if the Netherlands outsources applications to another state, you may be allowed to apply elsewhere. 

In such cases, always confirm with the specific embassy or consulate before booking an appointment.

### **What if I overstay my visa in the Netherlands?**

Overstaying a Dutch visa comes with serious consequences.

Penalties may include **fines, entry bans across the Schengen Area, and future visa refusals**. Every overstay is recorded in EU-wide systems, so it won’t go unnoticed when you apply again.

If your overstay happens because of **exceptional circumstances** (illness, cancelled flights, or other emergencies) it’s important to contact the **IND** as soon as possible. 

The earlier you act, the better your chances of resolving the situation.

### **Do I need a separate visa for traveling to other Schengen countries?**

No, you don’t need a separate visa. A valid Dutch-issued **Schengen visa** lets you travel to all other Schengen countries during its validity period. 

This makes it easy to combine the Netherlands with trips to France, Germany, Spain, or any of the 20+ Schengen states.

medium_11-How to Get a Student Applicant Visa for Germany_ Step-by-Step Guide.png

small_11-How to Get a Student Applicant Visa for Germany_ Step-by-Step Guide.png

thumbnail_11-How to Get a Student Applicant Visa for Germany_ Step-by-Step Guide.png

11-How to Get a Student Applicant Visa for Germany_ Step-by-Step Guide.png

Orientation year guide in the Netherlands (2026)

## **What is the Orientation Year (Zoekjaar)?**

Graduating in the Netherlands or at a top university abroad opens the door to many opportunities. 

Almost [26%](https://www.nuffic.nl/en/stayrates-of-international-graduates) of international graduates stay in the Netherlands 5 years after graduation. 

If you want to stay in the Netherlands after your studies, the Orientation Year, also known as the Zoekjaar, gives you the chance to explore it. 

The Orientation Year is a one-year residence permit that lets recent graduates and researchers live in the Netherlands while they look for work. It gives you the freedom to take any job, switch roles, or start your own business without needing a sponsor. 

Many international students choose this permit because it gives them time to settle in, understand the job market, and plan their future here. 

You can learn more in detail about the permit on the official [IND site.](https://ind.nl/en/residence-permits/work/residence-permit-for-orientation-year) 

**In this guide, you will learn:**

- Who can apply for the Orientation Year in 2026
- How to submit your application
- What documents you need
- Your work rights
- How health insurance works during the permit
- What to do if you are not eligible for Dutch basic insurance
- What to expect after the Orientation Year
- How to avoid common problems

## **How the Orientation Year works**

If you’ve recently finished your studies and want to start your career in the Netherlands, the Orientation Year gives you the flexibility to work, explore, and prepare your next steps.

- Apply within three years of graduating
- Use the permit to work freely for twelve months
- Register with your municipality and get your BSN
- Stay insured throughout your year
- Switch to another residence permit before your zoekjaar ends

The Orientation Year is designed to give international graduates time and freedom to build their careers in the Netherlands. During this year, you can work for any employer, freelance, or even start your own business - all **without needing a work permit**. If you’re exploring long-term options, this [public register](https://ind.nl/en/public-register-recognised-sponsors/public-register-regular-labour-and-highly-skilled-migrants) lists recognized sponsors in the Netherlands.

You can only apply for the Orientation Year **once**, and you must do so **within three years** of completing your studies or research. Make sure you stay in line with Dutch health insurance rules; whether you’re required to take out Dutch insurance depends on your work situation and residency status.

This permit gives you the space to:

1. Explore the Dutch job market
2. Build experience
3. Prepare for your next long-term residence permit

For more details, you can always check with the government agency for education, [Nuffic/Study in NL](https://www.studyinnl.org/after-your-studies/working-after-your-studies).

## **Who can apply for the Orientation Year?**

To apply for the Orientation Year, everyone must meet the general Dutch immigration requirements. The official list is available [here](https://ind.nl/en/requirements-that-apply-to-everyone), but in short, you must have:

- **A valid passport or travel document**
- **No risk to public order or national security**
- **A tuberculosis (TB) test**, if required (some nationalities are exempt)

After that, you must fall into **one of the eligible categories** below.

### **Graduates from Dutch universities**

You qualify if you completed an **accredited**:

- Bachelor’s degree
- Master’s degree
- PhD
- Post-master's degree

**Important:**

Exchange semesters, short programs, and non-accredited courses **do not** qualify.

### **Graduates from top 200 universities abroad**

If you studied outside the Netherlands, you can still qualify **if your university was in the global top 200 in the year you graduated**.

**How to know if you qualify**

Your university must appear in the **top 200 in at least *two* of these three global rankings**:

1. **Times Higher Education (THE)**
    - General: https://www.timeshighereducation.com/world-university-rankings/latest/world-ranking
    - By subject: https://www.timeshighereducation.com/world-university-rankings/by-subject
2. **QS World University Rankings (QS)**
    - General: https://www.topuniversities.com/world-university-rankings
    - By subject: https://www.topuniversities.com/subject-rankings
3. **Shanghai Ranking (ARWU)**
    - General: https://www.shanghairanking.com/rankings/arwu/2024
    - By subject: https://www.shanghairanking.com/rankings/gras/2024

**Additional rules for eligibility**

To count as a top 200 graduate, your degree must meet *all* of these criteria:

- Your university appears in the **general top 200** *or* the **top 200 for your subject**, in **at least two out of the three rankings**.
- The ranking must apply to the **exact year you graduated**.
- If you rely on a **subject ranking**, it must match your actual field of study or research.

**Diploma evaluation**

Before you can proceed, **Nuffic/IDW will evaluate your diploma**.

You can find instructions and required documents [here](https://idw.nl/en/to-work/).

### **Researchers and PhD graduates**

You can apply if you have:

- Completed a **scientific research appointment**, or
- Finished a **PhD** (Dutch or international)

You must provide proof of your research period or your doctoral completion.

### **Erasmus Mundus and other joint degrees**

Joint or multi-country degrees including **Erasmus Mundus programmes** are eligible **as long as the awarding institutions are officially [recognized](https://www.eacea.ec.europa.eu/scholarships/erasmus-mundus-catalogue_en)**.

### **When you are *not* eligible**

These do **not** meet the criteria for the Orientation Year:

- Short courses
- Language programs
- Exchange semesters
- Non-accredited programs
- Degrees completed **more than three years ago**
- Degrees that are not bachelor’s level or higher
## **How to apply for the Orientation Year**

### **Documents you need**

You will need a valid passport, your diploma or graduation statement, and any required translations. You must also provide a Dutch address, even if it is temporary.

### **Application cost**

The IND charges a fee, usually around two hundred euros.

### **Processing time**

Most applications are processed within two to four weeks. Applying early reduces the risk of gaps between permits.

### **Apply while your student permit is valid**

Submitting your application before your student permit expires allows you to stay in the Netherlands while you wait for the decision.

### **If your permit is about to expire**

If your permit ends before you apply, you may need to submit your application from abroad. Some students return home temporarily and re enter the Netherlands once their Orientation Year is approved.

### **Avoiding gaps**

Gaps can affect your BRP registration, your BSN status, and your insurance. Preparing your documents early helps you submit on time.
## **What you can do during your Orientation Year**

### **Work freely in the Netherlands**

You have **full access to the Dutch labor market**. You can:

- Work for any employer
- Freelance or take short projects
- Do internships or traineeships
- Start your own business

There is **no salary threshold** during the Orientation Year.

For job searching, check out:

- [Welcome to NL job dashboard](https://www.welcome-to-nl.nl/jobs/)
- [Academic Transfer](https://www.academictransfer.com/en/) (research & university jobs)

### **Pursue internships and volunteering**

You may take part in internships, traineeships, or volunteer work **without restrictions**.

### **Explore entrepreneurship**

You can register a company or work independently. Many graduates use this year to test ideas, build a portfolio, or try freelancing before switching to a long-term residence permit.

### **Bring family members**

Family members can accompany you if they qualify for their own residence permits.

Their work rights depend on the **type of residence permit** they hold.

You can find some useful resources about life in the Netherlands on the page of the official government [here](https://www.welcome-to-nl.nl/).

## **Health insurance during the Orientation Year**

Health insurance requirements during the Orientation Year depend on your work situation and whether you are officially considered a resident in the Netherlands.

### **If you are not working in your Orientation Year (most common)**

Many graduates spend the first months of their zoekjaar job-searching, settling in, or waiting for their BSN. During this period, you often *do not* qualify for Dutch basic health insurance because:

- you don’t yet have a BSN
- you’re not registered in the BRP
- you are not working for a Dutch employer

In this phase, you’ll need **private or expat health insurance**.

**Feather can help bridge this gap:** our expat insurance is designed for internationals who haven’t completed registration yet. It works even **without a BSN**, **without a permanent address**, and while you’re still finding your footing in the Netherlands. Many Orientation Year graduates use this coverage until they start working or become eligible for Dutch basic insurance.

72 Euros a month. Visa-compliant. Cancel anytime.

Sign up for Orientation Year health insurance

### **When Dutch basic health insurance is required**

You must take out **Dutch basic health insurance** (basisverzekering) once you:

- start working for a Dutch employer, **or**
- are considered a resident of the Netherlands.

From the moment you become eligible, you have **four months** to sign up.

If you do not register in time, the CAK may send reminder letters and potentially fines

### **Once you get a job: Switching to Dutch basic insurance**

Once you meet the conditions for Dutch basic insurance, you must switch to a Dutch provider. It is important to stay covered until your basic policy starts. Feather can help you upgrade easily when you become eligible.

All online, and in English. No deductible.

Sign up for Dutch public health insurance

### **How housing may affect your health insurance eligibility**

#### Losing your address

Your BRP registration is directly linked to your eligibility for Dutch basic health insurance. If you lose your housing and the municipality de registers you, your BRP record becomes inactive. This can affect whether you qualify for basic insurance or whether an insurer accepts your application. Keeping proof of where you are staying helps prevent issues while you look for a new home.

#### Using a correspondence address

If you are between homes, you can use a correspondence address, also known as a briefadres. This keeps your BRP registration active, which protects your BSN and your eligibility for health insurance. It also ensures you continue to receive important letters about your permit or insurance.

## What to do after the Orientation Year

Your Orientation Year is a stepping stone toward a longer-term stay in the Netherlands. Before your zoekjaar ends, you’ll need to move to a residence permit that fits your job, business plans, or career direction. Below are the most common options graduates choose after their year.

- **Highly Skilled Migrant permit**
    - This is the most common next step. Graduates who held an Orientation Year benefit from a **lower salary threshold**, making it easier for employers to hire you under this scheme.
- **Start-up or self-employed permits**
    - Ideal if you developed or validated a business idea during your Orientation Year.
        - The **Start-up visa** requires working with an approved facilitator who supports your business development.
        - The **Self-employed permit** requires a business plan and meeting the criteria for entrepreneurship.
- **Regular employment permits**
    - If your job doesn’t meet the Highly Skilled Migrant criteria, your employer may still be able to sponsor you under a **regular work-based residence permit**, which follows different rules and salary thresholds.
- **Permanent residence**
    - Time spent on the Orientation Year **does not count** toward permanent residency. Only years spent on long-term residence permits will count, so this becomes relevant later in your journey.

**Note:** You can only use the Orientation Year **once** in your lifetime. After completing it, you cannot apply for another zoekjaar.

## **Common questions and edge cases**

### **Can I work remotely for a foreign employer?**

Yes. The Orientation Year gives you full freedom to work. Depending on your situation, remote work may affect your taxes or insurance eligibility, so it can help to check your specific case.

### **Can I leave the Netherlands during my Orientation Year?**

Yes. Short trips are allowed. You must keep an active Dutch address, as this keeps your BRP registration stable.

### **What if I lose my housing?**

The municipality may de register you if you do not have a valid address. A correspondence address can help keep your BRP active while you look for a new place.

### **Can I start a business?**

Yes. You can freelance or start a company. Many graduates later switch to start up or self employed permits.

### **What if I get CAK letters?**

These letters mean the authorities believe you should have Dutch basic insurance. If you were not yet eligible at the time, it is helpful to contact the CAK to clarify your situation.

### **What if my BSN becomes inactive?**

Updating your BRP registration or using a correspondence address can help reactivate it.

## **How Feather can help**

Feather supports you throughout your Orientation Year. If you are not yet eligible for Dutch basic insurance, you can use Feather’s expat insurance, which works even if you do not have a BSN or a permanent address.

Once you start working or become a resident, Feather can help you upgrade to Dutch basic insurance. Everything is handled online, and the support team is experienced in helping graduates through each step.

## **Conclusion and next steps**

The Orientation Year gives you a flexible and supportive path to start your career in the Netherlands. Apply within the three year window, stay insured throughout your transition, and keep your registration details updated. With the right preparation and the right insurance, your Orientation Year can be a strong beginning to your future in the Netherlands.