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Find a funeral insurance in the Netherlands

Ensure the costs of your funeral and leave your loved ones with peace of mind. Compare premiums and cover from 5 recognised Dutch insurers and apply online in minutes.

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Age25 - 29 year Cover amount€ 9.500
6 insurances found for you
logo DELA
★ 8,4 1006 reviews
DELA UitvaartPlan
Insured amount € 8.000 funeral package + € 1.500 free to spend
Funeral director Provided by DELA
Children covered Not free, but lower premium up to age 25
Adjustable cover Yes, adjustable at any time
View full coverage
From
€ 6,22
per month
View your plan
Most chosen
logo Monuta
★ 8,3 564 reviews
Monuta Uitvaartverzekering
Insured amount € 2.500 funeral package + € 7.000 free to spend
Funeral director Provided by Monuta
Children covered Free up to age 18
Adjustable cover Yes, adjustable at any time
View full coverage
From
€ 6,28
per month
View your plan
logo DELA
★ 8,4 1006 reviews
DELA UitvaartPlan Geldbedrag
Insured amount € 9.500 entirely free to spend
Funeral director Free choice
Children covered Not free, but lower premium up to age 25
Adjustable cover Yes, increase after health questions
View full coverage
From
€ 9,46
per month
View your plan
Best conditions
logo a.s.r.
★ 7,7 302 reviews
a.s.r. Uitvaartverzekering
Insured amount € 9.500 entirely free to spend
Funeral director Free choice
Children covered Free up to age 21
Adjustable cover Yes, increase after health questions
View full coverage
From
€ 10,27
per month
View your plan
The "from" premiums shown are indications, calculated for a 25-year-old with the longest possible payment term (lifelong) at an insured amount of € 9.500. Your premium may differ based on your exact age. How do we calculate?

Funeral insurance in numbers

Did you know that around 70% of Dutch residents have a funeral insurance? It is the most common way in the Netherlands to cover the costs of a funeral.

An average funeral costs between € 8.500 and € 10.000. A Dutch policy can also be used for a farewell in your home country.

70%
of Dutch residents have a funeral insurance
€ 9.500
is the most chosen insured amount
5 min
is all it takes to compare and apply online
Check your premium in 1 minute ↑

What is a Dutch funeral insurance?

A funeral insurance (uitvaartverzekering) covers the costs of your funeral: the service, the coffin, flowers, transport and the burial or cremation. Your loved ones are not left with unexpected costs.

After your passing, the insurer pays out a sum of money or arranges the covered services and products. Most insurers also help your next of kin organise the funeral. Anyone living in the Netherlands can apply online, directly with the insurer.

First calculate the costs of your funeral
What does it cost?
Premium example: age 30, € 9.500 cover.
± € 10 per month
This determines your premium
1Your age: the younger you start, the lower the premium
2The type of insurance: in-kind cover is often cheaper than capital
3The insured amount: higher cover means a higher premium
Calculate your premium ↑

A funeral in your home country

Do you live in the Netherlands but wish to be buried or cremated in your home country? A Dutch funeral insurance can cover this too. Keep in mind that transport and a ceremony abroad bring extra costs, so it is sensible to increase the level of cover accordingly.

Dutch insurers are experienced in organising a beautiful farewell ceremony in another country. The Dutch embassy can also assist your loved ones with the arrangements and the departure from the Netherlands.

Good to arrange
If you wish a funeral abroad.
1Choose a higher cover: repatriation and travel add to the costs
2Ask the insurer: check how the policy covers a funeral abroad
3Help is available: the insurer and the Dutch embassy assist your next of kin
Tip: a capital policy pays out money that is free to spend, also abroad.

Five things to compare

The level of cover, premium and policy conditions differ considerably per insurer. These five points matter most.

01
Type of insurance
In-kind services (natura), a capital pay-out or a combination of both.
02
Premium per month
The premium rises sharply with age, so applying early pays off.
03
Payment period
Compare the total premium over the full term, not just the monthly amount.
04
Indexation
Funeral costs rise every year; indexation keeps your cover in line.
05
Extras and conditions
Check the cover for children and whether profit sharing applies.
Tip: with some policies children are covered until age 18 or 21. Extras like these make a real difference when comparing.

More about comparing funeral insurance

  • In-kind insurance (naturaverzekering): a set package of funeral services is covered. The insurer settles the bill directly with the funeral director, which usually makes this the cheapest option. The covered services grow with the costs.
  • Restricted pay-out (natura sommenverzekering): a sum of money is paid out that may only be spent on the funeral; invoices serve as proof. You keep a free choice of funeral director.
  • Capital insurance (kapitaalverzekering): a fixed sum is paid out after passing, free to spend. This type is also suitable for a funeral abroad, because the money can be used for any purpose.
  • Combination (combinatieverzekering): a mix of the above, with part services and part money that is free to spend.

The monthly premium increases exponentially with age, so it is far more profitable to apply early. It also spreads the costs over a longer period.

The payment period indicates how long you pay a premium to the insurer. When comparing, look at the total payment: multiply the monthly premium by 12 and by the remaining years. A slightly higher premium with a shorter payment period is often more profitable.

Since funeral costs rise every year, it may be wise to index the insurance: the cover is adjusted accordingly, and the monthly premium goes up with it. Ask the insurer for details.

Around ten insurers offer funeral insurance in the Netherlands. We compare the five main ones:

  • DELA: in-kind and capital policies, the largest funeral insurer
  • Monuta: in-kind policies with practical help for next of kin
  • a.s.r.: capital policies with a free choice of funeral director
  • Ardanta: restricted pay-out policies
  • Nuvema: in-kind policies

You apply online, directly with the insurer, at the same premium as going direct. We sell nothing ourselves.

  • A death must be reported to the municipality in which it occurred; the funeral director usually takes care of this.
  • Cemeteries are usually open between 09:00 and 15:00 on weekdays and 09:00 to 12:00 on weekends and holidays.
  • A burial or cremation is more expensive on a Saturday, and even more on a Sunday or a national holiday.
  • If there is no money for the funeral, the municipality can pay for the costs.
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Compare premiums and cover from 5 recognised Dutch insurers and apply directly, at the same premium as going direct.

Compare funeral insurances ↑ First calculate funeral costs