Situation: starting a family
4 min readArranging insurance when starting a family
The arrival of a child is a major change. Amidst the rush of baby gear and maternity care, insurance is often forgotten, even though your risk profile changes immediately. A small adjustment prevents big financial surprises.
Expectant parents and young families in the Netherlands. · Updated: 2026-06-12
Liability: from partner to family
Accidents happen, especially with little ones. A knocked-over vase at the neighbor's or damage to a parked car from a child's bike? With family cover on your liability insurance (AVP), you, your partner, and your children are insured for damage to others.
Health insurance: the 4-month rule
Children up to 18 years old are co-insured for free under health insurance, but you must register them. Do this within 4 months of birth with one of the parents' insurers. If you do it late, you are only insured from the moment of registration, and earlier costs are at your own expense.
Higher home contents value
A stroller, the nursery, new electronics, and clothing: baby gear quickly costs thousands of euros. Your contents value increases significantly. Check whether your current policy still offers sufficient coverage to prevent underinsurance.
Frequently asked questions
Is my unborn child already insured?
No, coverage usually starts only from birth. For medical costs during pregnancy and childbirth, the mother is insured through her own health insurance.
Do I need to take out a separate insurance for my child?
No, for non-life insurance such as home contents and liability, it is sufficient to convert your existing policy to a family version.
Keep reading
This article is purely informative. For personal advice, we recommend contacting an advisor.