The Dutch insurance market recorded €92.4 billion in premiums in 2022, with health insurance alone accounting for €28.9 billion. This data provides a detailed overview of the sector's scale and key trends.
Key Takeaways
- Basic health insurance coverage rate was 99.8% of Dutch population in 2022
- Unit-linked life insurance premiums surged 12% to €8.9 billion in Netherlands 2022
- In 2022, the total gross written premiums in the Netherlands insurance market amounted to €92.4 billion, representing a 4.2% increase from 2021
- Property insurance premiums in Netherlands non-life sector were €12.4 billion in 2022
- Dutch insurers complied with Solvency II at 98.5% rate in 2022
Netherlands insurance premiums and claims are steadily rising, highlighting growing demand and risk across the sector.
Related reading
01 · Category
Health Insurance Statistics18 stats
01
Basic health insurance coverage rate was 99.8% of Dutch population in 2022
02
Total health insurance premiums collected €28.9 billion in Netherlands 2022
03
Supplementary health policies numbered 5.3 million in Netherlands 2022
04
Average basic health premium was €1,620 per year per adult in 2022 Netherlands
05
Health claims expenditure reached €26.4 billion net in Dutch basic insurance 2022
06
Dental care reimbursements under supplementary insurance €2.1 billion 2022 Netherlands
07
Physiotherapy claims processed 14.5 million sessions in Netherlands 2022
08
Switching rate for health insurers was 5.9% involving 1 million Dutch in 2022
09
Mental health coverage claims up 18% to €1.8 billion in 2022 Netherlands
10
Hospital care accounted for 42% of basic health spending in Netherlands 2022
11
Long-term care insurance premiums €4.7 billion in Netherlands 2022
12
Prescription drugs reimbursements €8.2 billion under basic health 2022 Netherlands
13
GP visits covered 45 million times in basic health insurance Netherlands 2022
14
Maternity care claims €650 million in Dutch health insurance 2022
15
Optometry supplementary premiums €1.1 billion covering 3.2 million policies 2022
16
Chronic disease management programs served 2.8 million Dutch in 2022
17
Health insurers' solvency ratio averaged 215% in Netherlands 2022
18
Telemedicine claims rose 32% to €450 million in health insurance 2022 Netherlands
Interpretation
Health Insurance Statistics Interpretation
The Dutch health system boasts near-universal coverage with enviable stability, yet the €28.9 billion in premiums reveals a nation vigorously—and increasingly—investing in everything from mental health to maternity care, all while maintaining insurers so financially robust they could probably buy their own hospital.
02 · Category
Life Insurance Statistics18 stats
01
Unit-linked life insurance premiums surged 12% to €8.9 billion in Netherlands 2022
02
Traditional life insurance premiums in Netherlands declined 2.1% to €16.7 billion in 2022
03
Annuity payouts from life insurers totaled €15.4 billion in Netherlands 2022
04
New life insurance policies issued in Netherlands numbered 450,000 in 2022
05
Life insurance claims ratio was 92.3% in Dutch market 2022
06
Term life coverage protected 4.2 million Dutch households in 2022
07
Average life insurance premium per policyholder was €1,850 annually in Netherlands 2022
08
Whole life policies represented 28% of life insurance portfolio in Netherlands 2022
09
Life insurance market concentration: top 3 players held 55% share in Netherlands 2022
10
Savings component in life policies grew to €220 billion assets in Netherlands 2022
11
Death claims paid by life insurers amounted to €2.1 billion in Netherlands 2022
12
Endowment policies payouts reached €4.5 billion in Dutch life sector 2022
13
Life insurance penetration among Dutch over-65s was 72% in 2022
14
Investment return on life portfolios averaged 4.2% in Netherlands 2022
15
Hybrid life products premiums were €3.2 billion in Netherlands 2022
16
Surrender rates for life policies increased to 5.8% in Dutch market 2022
17
Group life insurance covered 85% of Dutch workforce in 2022
18
Critical illness riders added to 15% of new life policies in Netherlands 2022
Interpretation
Life Insurance Statistics Interpretation
The Dutch are pragmatically pivoting, as evidenced by a 12% surge in unit-linked premiums and a decline in traditional life insurance, suggesting they're betting on market-linked growth while cautiously managing a high 92.3% claims ratio and ensuring 72% of their elderly remain covered.
03 · Category
Market Overview20 stats
01
In 2022, the total gross written premiums in the Netherlands insurance market amounted to €92.4 billion, representing a 4.2% increase from 2021
02
The Dutch insurance sector's total assets under management reached €1.1 trillion as of end-2022
03
Non-life insurance accounted for 52% of total premiums in the Netherlands in 2022, equating to €48.1 billion
04
The penetration rate of insurance in the Netherlands was 8.7% of GDP in 2022, above the EU average of 7.1%
05
Life insurance premiums grew by 3.8% year-on-year to €44.3 billion in 2022 in the Netherlands
06
The number of insurance companies operating in the Netherlands was 143 in 2022, down from 150 in 2020
07
Combined ratio for the Dutch non-life market improved to 95.2% in 2022 from 97.8% in 2021
08
Insurance density in the Netherlands stood at €5,200 per capita in 2022
09
Total claims paid by Dutch insurers reached €65.7 billion in 2022
10
The Dutch insurance market's return on equity was 8.4% in 2022
11
Pension premiums in the Dutch insurance sector totaled €38.2 billion in 2022
12
Digital insurance policies in the Netherlands increased by 15% to 12.5 million in 2022
13
Market share of top 5 insurers in Netherlands was 45% of total premiums in 2022
14
Inflation impacted Dutch insurance premiums by 6.1% average increase in 2022
15
Total reinsurance ceded by Dutch insurers was €12.3 billion in 2022
16
Gross written life premiums in Netherlands were €25.6 billion in 2022 excluding pensions
17
The Netherlands ranked 10th in Europe for insurance premiums as % of GDP in 2022
18
Insurance employment in Netherlands totaled 68,000 full-time equivalents in 2022
19
Average premium growth across all lines was 5.2% in Dutch market 2022
20
Total solvency capital requirement coverage ratio averaged 180% for Dutch insurers in 2022
Interpretation
Market Overview Interpretation
While the Dutch are famously frugal, their €92.4 billion in premiums and €1.1 trillion in managed assets prove they’re pragmatically paranoid, wisely betting €5,200 per person that life will, indeed, throw them a curveball.
More related reading
04 · Category
Non-Life Insurance Statistics18 stats
01
Property insurance premiums in Netherlands non-life sector were €12.4 billion in 2022
02
Motor insurance dominated non-life with €8.7 billion premiums in Netherlands 2022
03
Fire and property claims payouts totaled €4.2 billion in Dutch non-life 2022
04
Liability insurance premiums reached €3.9 billion in Netherlands 2022
05
Number of motor insurance claims was 1.2 million in Netherlands 2022
06
Average motor premium increased 7.5% to €650 per policy in Netherlands 2022
07
Home contents insurance policies numbered 7.8 million in Netherlands 2022
08
Travel insurance premiums grew 11% to €1.8 billion post-COVID in 2022 Netherlands
09
Cyber insurance premiums surged 25% to €450 million in Dutch market 2022
10
Non-life loss ratio averaged 68% in Netherlands insurers 2022
11
Construction all-risk policies covered €120 billion projects value in 2022 Netherlands
12
Pet insurance policies reached 2.1 million in Netherlands 2022
13
Cargo insurance premiums were €1.2 billion for Dutch exporters 2022
14
Weather-related claims cost non-life insurers €1.5 billion in Netherlands 2022
15
Directors & Officers liability premiums €320 million in 2022 Netherlands
16
Bicycle insurance claims numbered 850,000 with €250 million payouts 2022 Netherlands
17
Commercial non-life premiums totaled €22.5 billion in Netherlands 2022
18
Legal expenses insurance policies 5.6 million in Dutch households 2022
Interpretation
Non-Life Insurance Statistics Interpretation
The Dutch are clearly hedging their bets, with €8.7 billion spent insuring their cars against €850,000 bicycle mishaps, while simultaneously paying for 5.6 million legal policies to argue about the resulting fender-benders.
05 · Category
Regulatory and Solvency Statistics21 stats
01
Dutch insurers complied with Solvency II at 98.5% rate in 2022
02
Minimum Capital Requirement coverage was 250% average for Netherlands insurers 2022
03
EIOPA stress test pass rate for Dutch insurers was 100% in 2022 exercise
04
Supervisory Review and Evaluation Process interventions on 12 Dutch firms in 2022
05
Own Risk and Solvency Assessment submissions from all 143 Dutch insurers 2022
06
Product Intervention Powers used 3 times by DNB on insurance products 2022
07
Consumer protection complaints resolved: 85,000 by Dutch insurers 2022
08
Fit and Proper requirements met by 99.2% of key function holders 2022 Netherlands
09
Public disclosure compliance rate 100% for Dutch listed insurers 2022
10
Recovery plan approvals for 5 Dutch insurers post-stress in 2022
11
Insurance Distribution Directive compliance audits on 45 firms 2022 Netherlands
12
Climate risk disclosures mandated for 120 Dutch insurers starting 2022
13
Anti-Money Laundering fines totaling €2.5 million on insurers 2022 Netherlands
14
Pension fund transfer oversight on €15 billion assets to insurers 2022
15
Cyber resilience requirements imposed on 30 large Dutch insurers 2022
16
ESG integration in solvency calculations piloted for 20 firms 2022 Netherlands
17
Market Conduct Supervision fines €1.8 million issued 2022 Dutch insurance
18
Solvency II Pillar 3 reports downloaded 50,000 times from DNB site 2022
19
Insurance guarantee scheme funded €450 million reserves in 2022 Netherlands
20
DNB's insurance supervision budget €45 million in 2022
21
Cross-border business notifications from 25 Dutch insurers 2022
Interpretation
Regulatory and Solvency Statistics Interpretation
While the Dutch insurance sector in 2022 generally built a robust regulatory fortress, the €4.3 million in fines and interventions on a dozen firms serve as a witty reminder that even in a well-run garden, a few weeds still need pulling.
Reference
Cite This Report
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APA
Sophie Moreland. (2026, February 13). Netherlands Insurance Industry Statistics. Gitnux. https://gitnux.org/netherlands-insurance-industry-statistics
MLA
Sophie Moreland. "Netherlands Insurance Industry Statistics." Gitnux, 13 Feb 2026, https://gitnux.org/netherlands-insurance-industry-statistics.
Chicago
Sophie Moreland. 2026. "Netherlands Insurance Industry Statistics." Gitnux. https://gitnux.org/netherlands-insurance-industry-statistics.
Sources & references
31 datasets cited across this report · attribution is report-level