KNM Summary

Welcome to your guide for the Kennis van de Nederlandse Maatschappij (KNM) exam. Think of this exam not as a test, but as a practical manual for living in the Netherlands. It covers the essential knowledge you need to navigate daily life, from understanding the healthcare system to knowing your rights at work. Mastering this information will help you feel more confident and at home in Dutch society. This guide will walk you through everything you need to know, step by step.

• What the KNM exam is and which topics it covers.
• The exact format of the exam, including the number of questions and time limit.
• How to approach the scenario-based questions effectively.
• Why the KNM exam remains at the A2 level, even with other integration requirements changing.

KNM stands for 'Kennis van de Nederlandse Maatschappij', which means 'Knowledge of Dutch Society'. The exam tests whether you have the basic knowledge needed to live and function independently in the Netherlands. The topics are very practical and cover situations you will encounter in real life.

You will get questions about eight main themes:

• Work and Income
• Manners, Norms, and Values
• Living (Housing)
• Health and Healthcare
• History and Geography
• Government and Politics
• The Legal System
• Education and Parenting

The KNM exam is a computer-based test that uses different types of questions to see what you know. You will read short stories, look at pictures, and sometimes watch short videos of everyday situations.

Here is what you can expect on exam day:

• Questions:40 multiple-choice questions.
• Passing Score: You need to answer at least 26 questions correctly to pass.
• Time: You will have 45 minutes to complete the exam.
• Language: The exam is entirely in Dutch, at an A2 level.

You may have heard that the language requirement for integration (inburgering) is changing to level B1. However, this change does not apply to the content of the KNM exam. The knowledge and situations tested in the KNM exam remain at the A2 level. This means the questions are designed to be understood by someone with a basic A2-level grasp of Dutch. Your focus for this exam should be on learning the facts and social rules, not on complex B1 grammar.

• KNM: Kennis van de Nederlandse Maatschappij (Knowledge of Dutch Society).
• DUO: Dienst Uitvoering Onderwijs. The government agency that manages exams for integration.
• Inburgering: The official integration process for new residents in the Netherlands.

For many questions, especially scenarios, there might be several answers that seem logical from your own cultural perspective. The key to passing KNM is to choose the answer that reflects the most common or expected behavior in the Netherlands. Always ask yourself: 'What is the standard Dutch way to handle this situation?' For example, if you have a problem with a neighbor, the 'Dutch' way is usually to talk to them directly and calmly first, before calling the police.

KNM Quick Facts:

• Exam time: 45 minutes
• Number of questions: Around 40
• Passing score: 26 correct answers
• Question type: Multiple-choice
• Language level of questions: A2

• The KNM exam tests your practical knowledge of Dutch society.
• It consists of about 40 multiple-choice questions and you have 45 minutes.
• The key to success is learning the facts and understanding the standard 'Dutch' way of doing things.

Now that you understand the exam, let's begin with the first essential topic: the official steps you need to take upon arriving in the Netherlands.

By the end of this chapter, you will understand:

• How to register at your local municipality (gemeente).
• What a Citizen Service Number (Burgerservicenummer - BSN) is and why it's crucial.
• How to apply for and use your DigiD (digital identity).
• The key documents you need for your first appointments.

One of the very first and most important things you must do is register your address with the municipality (gemeente) where you live. This is called 'inschrijving'. You must do this within five days of your arrival if you plan to stay for more than four months. To do this, you need to make an appointment at the city hall (stadhuis) or a local municipal office (stadsloket). You must bring a valid form of identification (like your passport) and proof of address, such as a rental contract or a permission letter from the main occupant of the house.

Once you have successfully registered with the municipality, you will be issued a Burgerservicenummer (BSN), or Citizen Service Number. This is a unique personal number for everyone living in the Netherlands. You will receive it by post a few days or weeks after your registration. The BSN is essential for almost all official matters. You need it to work, open a bank account, use the healthcare system, and for any communication with the government, like applying for benefits or paying taxes. Keep your BSN safe, as it is a key piece of personal information.

In the digital-first Netherlands, a DigiD is your online identity. It allows you to log in securely to thousands of government and healthcare websites. You can use it to file your taxes, apply for benefits like 'toeslagen', check your pension, and manage your healthcare information. Once you have your BSN, you can apply for a DigiD online at digid.nl. After applying, you will receive an activation code by post at your registered address within a few working days. You must use this code to activate your DigiD.

• Gemeente: The municipality or city council. Your first point of contact for registration, permits, and local services.
• Burgerservicenummer (BSN): Your unique citizen service number, required for all official administration.
• DigiD: Your secure digital identity for logging into government and healthcare websites.
• IND (Immigratie- en Naturalisatiedienst): The Immigration and Naturalisation Service, which handles all matters related to residence permits.

• Make an appointment with your local municipality (gemeente) for registration.
• Gather your documents: Passport, birth certificate, and proof of address (e.g., rental contract).
• Attend your appointment and complete the registration.
• Wait for your BSN to arrive by post.
• Apply for your DigiD online as soon as you have your BSN.

• You must register at the municipality if you intend to stay in the Netherlands for more than 4 months.
• Registration must be done within 5 days of arrival.
• The BSN (Burgerservicenummer) is your personal number for all official matters.
• A DigiD is required for most online government services.
• You apply for a DigiD at digid.nl after you receive your BSN.

You've now learned the critical first steps to officially establishing yourself in the Netherlands. By registering at the municipality, you get your BSN, which then allows you to get a DigiD. These are the keys to unlocking everything else you need to do, from working to managing your health. In the next chapter, we will explore the Dutch landscape and its people.

By the end of this chapter, you will understand:

• The basic geography of the Netherlands, including its provinces, major cities, and relationship with water.
• The typical Dutch climate and the four distinct seasons.
• Key facts about the population, its density, and its diverse origins.
• The structure of the Dutch government as a constitutional monarchy.
• The main languages and religious landscape in the Netherlands.

The Netherlands is a small country in Western Europe, bordering Germany to the east and Belgium to the south. It has a total area of about 40,000 km² (China is 240x larger, Turkey 19x larger). The country is about 300km from North to South and 180km from East to West.

The most densely populated area is the Randstad in the west, including the four largest cities:

• Amsterdam: The capital (Schiphol airport, <1 million people).
• Rotterdam: Largest port in Europe.
• The Hague (Den Haag): Seat of government.
• Utrecht: Historic city with the Dom Tower.

Nearly 20% of the country is water. Major rivers like the Rijn (from Switzerland) and Maas (from France) flow through it. The IJsselmeer is the largest lake. In the north is the Waddenzee with the islands (remember TV TAS: Texel, Vlieland, Terschelling, Ameland, Schiermonnikoog). Much of the land is 'polder' (reclaimed land) protected by dikes.

The Netherlands is divided into twelve provinces, each with its own character and capital city.

• Groningen: (Capital: Groningen) The most northeastern province, known for its vibrant student city.
• Friesland (Fryslân): (Capital: Leeuwarden) Located in the north, it has its own official language, Frisian.
• Drenthe: (Capital: Assen) A northern province known for its beautiful nature and prehistoric dolmens ('hunebedden').
• Overijssel: (Capital: Zwolle) An eastern province with scenic rivers and historic Hanseatic cities.
• Flevoland: (Capital: Lelystad) The newest province, created almost entirely from reclaimed land (polders).
• Gelderland: (Capital: Arnhem) The largest province by land area, home to the Veluwe National Park.
• Utrecht: (Capital: Utrecht) The smallest province, located centrally and known for its historic city center.
• Noord-Holland: (Capital: Haarlem) This western province includes Amsterdam, the nation's capital.
• Zuid-Holland: (Capital: The Hague / 's-Gravenhage) The most populous province, home to the government and major cities like Rotterdam.
• Zeeland: (Capital: Middelburg) A southern province consisting of islands and peninsulas, famous for its flood defenses (the Delta Works).
• Noord-Brabant: (Capital: 's-Hertogenbosch) A southern province known for its sociable atmosphere and industrial cities like Eindhoven.
• Limburg: (Capital: Maastricht) The southernmost province, distinguished by its hills.

The Netherlands has a temperate maritime climate, which means the weather can be very changeable ('wisselvallig') and rain is common throughout the year. The country experiences four distinct seasons:

• Lente (Spring): From March to June, with blossoming flowers and milder weather.
• Zomer (Summer): From June to September. It's the warmest season, with temperatures sometimes exceeding 30°C, and the evenings have long daylight hours.
• Herfst (Autumn): From September to December, characterized by falling leaves, cooler temperatures, wind, and rain.
• Winter (Winter): From December to March. It can be cold, and sometimes it freezes, allowing people to go ice-skating. Days are short and it gets dark early.

With over 17 million people, the Netherlands is one of the most densely populated countries in the world (500 people/m²).

A Diverse Society:

Over 1.8 million people (more than 10%) were not born in the Netherlands. Many have Dutch nationality.

• European Immigrants: Often come for work or relationships.
• Surinamese: Suriname was formerly part of the Netherlands.
• Turkish and Moroccan: Many came as 'gastarbeiders' (guest workers) in the 1970s and stayed.
• Refugees: From the 1980s onwards, people fled from countries like Vietnam, Iran, Iraq, and Somalia due to war or persecution.

The main language is Dutch. In Friesland, Frisian is the second official language.

The Netherlands is a constitutional monarchy, which means it has a king, Willem-Alexander, as the head of state, but his power is limited by the constitution. It is also a democracy. Every four years, Dutch citizens can vote for the members of the parliament ('parlement'). The government, which consists of the king and the ministers, is responsible for running the country. The parliament's role is to check the government and vote on new laws. Both the government and the parliament are located in The Hague.

• Randstad: The urban area in the west of the Netherlands comprising the four largest cities.
• Dijk: A dike or levee, built to protect the low-lying land from flooding.
• Polder: A piece of low-lying land reclaimed from a body of water and protected by dikes.
• Parlement: The Dutch Parliament, which represents the people and checks the government.
• Regering: The Government, formed by the King and the ministers.

• The Netherlands has 12 provinces.
• The capital city is Amsterdam, but the government is in The Hague.
• A large part of the country lies below sea level.
• With over 17 million people, the country is densely populated ('dichtbevolkt').
• The Netherlands is a democracy and a constitutional monarchy.

You now have a basic understanding of the Dutch landscape, its people, and its system of governance. This context is essential for understanding the more specific topics in the following chapters, such as housing, work, and social customs. In the next chapter, we will delve into the Dutch government and political system in more detail.

By the end of this chapter, you will understand:

• The structure of the Dutch government, including the roles of the King, ministers, and parliament.
• The different levels of government: national, provincial, and municipal.
• How political parties, elections, and coalitions work.
• Your fundamental rights as described in the Dutch Constitution (Grondwet).

The Netherlands is a constitutional monarchy, which means it has a king as the head of state, but he has very little real power. The current king is Willem-Alexander. It is also a democracy, where the citizens choose the people who govern the country. Decisions are based on what the majority wants, but the rights of minority groups are also protected and they are listened to. The government and parliament are located in The Hague.

The national government is made up of three main parts:

• The Government (Regering): This consists of the King, the Prime Minister (minister-president), and the ministers. The Prime Minister is the leader of the ministers. Together with the state secretaries, the ministers form the cabinet (kabinet). The cabinet holds the most power in the Netherlands .
• The Parliament (Parlement): Also known as the Staten-Generaal, the parliament consists of two houses: the Tweede Kamer (Second Chamber) with 150 members and the Eerste Kamer (First Chamber) with 75 members. The members of the Tweede Kamer are directly elected by the people every four years. Their main tasks are to check the work of the government and to vote on new laws .
• How a Law is Made: First, the ministers propose a new law. The Tweede Kamer then votes on it. If they approve, the Eerste Kamer votes on it. If both chambers agree, the King must sign the new law.

Besides the national government, there are also other levels of administration:

• Provinces (Provincies): The Netherlands has twelve provinces. Every four years, citizens vote for the Provincial States (Provinciale Staten), which makes decisions about things like regional roads and the environment within that province .
• Municipalities (Gemeenten): A municipality is a city or a town, sometimes with surrounding villages. Every four years, residents can vote for the city council (gemeenteraad). The council makes decisions about local issues like where to build new houses or schools. The leader of the municipality is the mayor (burgemeester).

During elections, you vote for a political party.

• Left-wing (Linkse partijen): Focus on social equality, more tax for the rich (e.g., PvdA, GroenLinks, SP).
• Right-wing (Rechtse partijen): Focus on individual freedom, less tax (e.g., VVD).

Separation of Powers (Scheiding der Machten):

To prevent abuse of power, the Netherlands follows the 'Trias Politica':

• Legislative Power (Wetgevende macht): Government + Parliament (make laws).
• Executive Power (Uitvoerende macht): Government (executes laws).
• Judicial Power (Rechterlijke macht): Judges (in court). The government cannot tell a judge what to decide.

The most important rules in the Netherlands are written in the Constitution (Grondwet). These include your fundamental rights:

• Article 1: The Right to Equal Treatment. Discrimination is forbidden .
• Freedom of Religion (Vrijheid van godsdienst): Everyone is free to have their own religion .
• Freedom of Speech (Vrijheid van meningsuiting): You are allowed to give your opinion, even if it is critical of the government .
• The Right to Protest: In a democracy, you can show you disagree with a decision through demonstrations or strikes .

It's important to know that the Dutch law is always more important than religious rules.

• Grondwet: The Constitution, the most important law in the Netherlands.
• Parlement: The Eerste and Tweede Kamer together, who check the government and approve laws.
• Regering: The King and the ministers, who run the country.
• Kabinet: All the ministers and state secretaries together.
• Gemeenteraad: The city council, elected by residents of a municipality.
• Coalitie (Coalition): A group of political parties that work together to form a government.

If you are eligible to vote and are not sure which political party best represents your views, you can use an online tool to help you. Before elections, websites like StemWijzer.nl ask you questions about important topics and then show you which party's ideas are closest to your own.

• The Netherlands is a democracy and a constitutional monarchy .
• The government is located in The Hague .
• The Tweede Kamer has 150 members (seats) .
• National elections for the Tweede Kamer happen every four years .
• Article 1 of the Constitution forbids all forms of discrimination .
• You must be 18 years or older to vote.

You now have an overview of Dutch politics. You know about the different layers of government, the process of elections, and the fundamental rights that protect everyone in the country. This knowledge is a key part of participating in Dutch society. In the next chapter, we will look at another practical topic: finding a home.

By the end of this chapter, you will understand:

• The difference between renting in the social sector and the private sector.
• The process of buying a house, including getting a mortgage.
• Your rights and responsibilities as a tenant or homeowner.
• How to arrange essential services like gas, electricity, water, and internet.

There are different types of homes: Flat (apartment), Eengezinswoning (family house), Vrijstaand (detached), Studentenhuis, and Verzorgingstehuis (for elderly).

There are two main ways to rent:

• Social Housing (Sociale Huur): Managed by 'woningcorporaties'. Rent is lower, but you need a low income to qualify. Waiting lists are long (years!). You apply via websites like WoningNet under 'Reageren'. Allocation is usually based on waiting time ('inschrijfduur').
• Urgentieverklaring: In emergencies (e.g., medical issues, divorce with children), you can ask the municipality for priority status, but this is rare and strict.
• Private Sector (Vrije Sector): Rented by private landlords ('huisbaas') or agencies. Rent is higher, no income limit. You find these on Funda or Pararius.

If you plan to stay in the Netherlands for a long time, buying a house might be an option. To do this, most people need to borrow money from a bank. This loan is called a mortgage (hypotheek). The amount you can borrow depends on your income and whether you have a permanent employment contract. A real estate agent (makelaar) can help you find a house and negotiate the price. Once you agree on a price, you must go to a notary (notaris) to sign the official contracts. As a homeowner, you are responsible for all maintenance (onderhoud) and repairs.

When you rent a home, you must sign a rental agreement (huurcontract). This contract outlines the rules, the monthly rent, and how much notice you need to give if you want to move out. For major repairs, the landlord (verhuurder) is responsible. For small repairs, like replacing a lightbulb, you are responsible. If you have a conflict with your landlord about the rent or maintenance, you can get help from the Huurcommissie (Rent Tribunal).

Once you have a home, you need to arrange for utilities. You must sign contracts with companies for:

• Energy: Gas and electricity. You can choose your own energy company (energiebedrijf).
• Water: Managed by a regional water company.
• Internet, TV, and Telephone: You can choose from various providers and packages.

Each month, you pay a fixed amount (termijnbedrag). Once a year, you provide your meter readings (meterstand), and you receive a final bill (jaarrekening). You will either get money back or have to pay extra depending on your usage. You also have to pay municipal taxes (gemeentelijke belastingen) for things like waste collection (afvalstoffenheffing).

• Woningcorporatie: A housing corporation that rents out social housing.
• Makelaar: A real estate agent who helps with buying, selling, or renting homes.
• Hypotheek: A mortgage loan from a bank to buy a house.
• Huurcontract: The rental agreement between a tenant and a landlord.
• Huurtoeslag: A government benefit to help people with low incomes pay their rent.
• Huurcommissie: The Rent Tribunal, which helps resolve disputes between tenants and landlords.

• Decide whether to rent or buy based on your income and plans.
• If renting social housing, register as a `woningzoekende` immediately.
• If renting privately or buying, search online platforms and contact `makelaars`.
• Read any contract carefully before signing.
• Once you have a home, sign up with utility companies for energy, water, and internet.
• Register your new address at the `gemeente`.

• To rent a `sociale huurwoning`, you must register and your income must be below a certain limit.
• Waiting lists for social housing can be very long.
• To buy a house, you usually need a `hypotheek` (mortgage) from a bank.
• The `huurcontract` contains all the rules for renting a home.
• The landlord is responsible for major maintenance; the tenant is responsible for minor maintenance.
• `Huurtoeslag` is a financial support from the Belastingdienst for people with low incomes and high rent.

You now know the basics of finding and setting up a home in the Netherlands. Whether you choose to rent or buy, understanding the system, your rights, and your responsibilities is key to a happy living situation. In the next chapter, we'll dive into Dutch culture, exploring the social rules and traditions that shape daily life.

By the end of this chapter, you will understand:

• Why making appointments ('afspraken') is so important in the Netherlands.
• How to greet people in formal and informal situations.
• The Dutch style of direct communication.
• Key Dutch holidays and family celebrations, like birthdays and King's Day.

One of the first things you will notice is that Dutch people love their agendas. They make appointments ('afspraken') for almost everything, not just for the doctor or the municipality, but also for visiting friends and family. It is considered polite to call or message someone beforehand to arrange a time to meet. Simply showing up at someone's house without an appointment is not common. For formal appointments, like a job interview, being on time is very important. If you are going to be late, you should always call to let them know.

Dutch people are known for being direct. They often say what they think, which can sometimes feel blunt, but it is usually not meant to be rude. For example, if your music is too loud, your neighbor will likely come and tell you directly. This directness is also a way to be clear and avoid misunderstandings. On the other hand, the Dutch highly value 'gezelligheid'. This is a word that is difficult to translate, but it means a feeling of coziness, warmth, and friendliness. It can be found in a nice conversation, a comfortable home, or a fun evening with friends.

How you greet someone depends on the situation. In formal settings or when you meet someone for the first time, a firm handshake while making eye contact is the standard greeting. When you know someone well, like a friend or family member, it is common to give three kisses on the cheeks, alternating sides. This is done between men and women, and between women. Men generally do not kiss each other; they shake hands instead.

The Netherlands has many important holidays and special days. Some are Christian, while others are national celebrations.

Sinterklaas: He arrives from Spain. Children put their shoes out ('schoen zetten') to receive sweets or gifts. His helpers are called 'Pieten'.

Kerstmis: A Christian feast celebrating the birth of Jesus. Families decorate a Christmas tree and enjoy a special meal together. Many people go to church.

Oranje: The color of the Royal Family (Van Oranje-Nassau). On King's Day and during football matches, everyone wears orange.

• Afspraak: An appointment. A cornerstone of Dutch social life.
• Gezellig: A unique Dutch word for a cozy, friendly, and warm atmosphere or feeling.
• Trakteren: To give treats, which children do at school on their birthday.
• Gefeliciteerd: Congratulations. You say this for birthdays, weddings, and other happy occasions.
• Koningsdag: King's Day, a national holiday on April 27th.

When you are invited to someone's home, it's a nice gesture to bring a small gift for the host, such as a bouquet of flowers or a bottle of wine. Don't make the gift too expensive. And remember to make an appointment first!

• Always make an appointment ('afspraak') before visiting friends or family.
• For formal appointments, being on time is mandatory.
• Dutch people are often direct in their communication.
• You greet people you don't know with a handshake.
• Friends and family often greet each other with three kisses on the cheek.
• King's Day (Koningsdag) is on April 27th.

By understanding these social rules and traditions, from making appointments to celebrating King's Day, you can participate more fully in Dutch life. While it may seem like a lot to remember, people will appreciate your effort to understand their culture. In the next chapter, we will discuss another important aspect of life in the Netherlands: your health and family.

By the end of this chapter, you will understand:

• The central role of the General Practitioner ('huisarts') in Dutch healthcare.
• How the mandatory health insurance ('zorgverzekering') system works.
• What to do in a medical emergency.
• How the Dutch celebrate important family milestones like births and birthdays.
• Social customs around marriage and funerals.

In the Netherlands, your General Practitioner ('huisarts') is your first point of contact for almost all health problems. You must register with a GP in your neighborhood.

Making an Appointment:

You must call the assistant to make an appointment. Have your birth date and name ready.

• Be on time!
• If you cannot come, you must cancel at least 24 hours in advance, otherwise you may have to pay.
• If you don't speak Dutch well, you can bring someone to translate or use the 'Tolkencentrum' (interpreter service).

The doctor will examine you and may give you a referral letter ('verwijsbrief') if you need to see a specialist in the hospital. You cannot go to a specialist without this letter. If you are too sick to travel, the doctor can visit you at home ('huisbezoek').

Everyone living in the Netherlands must have health insurance ('zorgverzekering'). Adults pay a monthly fee ('premie'). Children under 18 are free.

Types of Insurance:

• Basisverzekering: Mandatory. Covers GP, hospital, and standard medicines.
• Aanvullende verzekering: Optional. Covers extra things like physiotherapy or glasses.
• Tandartsverzekering: Optional. Dental care is NOT in the basic package for adults.

Costs:

• Eigen Risico: You must pay the first €385 (or more if you choose) of your healthcare costs per year yourself (except for GP visits, which are always free).
• Eigen Bijdrage: Sometimes you must pay a part of the costs yourself (e.g., for certain medicines).
• Zorgtoeslag: If you have a low income, you can get money back from the Belastingdienst to help pay your premiums.

For Life-Threatening Emergencies: Call 112 (Police, Ambulance, Fire). Say where you are and what the problem is. An ambulance typically arrives within 15 minutes.

Evening, Night, and Weekend:

If you are sick outside of office hours (after 17:00 or on weekends) and it cannot wait until the next day, do NOT go to the hospital immediately. You must first call the Huisartsenpost (Medical Post). They will tell you if you should come in or wait.

SEH (Spoedeisende Hulp):

The Emergency Room at the hospital. You go here for serious injuries like a broken arm or a deep cut. Ideally, your GP or the Huisartsenpost sends you here, but in an acute emergency (like a severe accident), you can go directly.

The Dutch have unique traditions for celebrating major life events.

• Birthdays (Verjaardagen): Very important! You eat cake ('taart'), sing 'Lang zal die leven', and children 'trakteren' (give treats) at school. Adults treat their colleagues. Family and friends visit (make an appointment!).
• Birth (Geboorte): Parents send birth announcement cards ('geboortekaartjes'). Visitors (by appointment!) are treated to 'beschuit met muisjes' (Dutch rusk with aniseed sprinkles – pink/white for a girl, blue/white for a boy). Mother and baby need rest, so don't stay too long.
• Weddings (Trouwen): Civil marriage at the 'gemeentehuis' is mandatory; church is optional. Same-sex marriage (2 men or 2 women) has been legal since 2001. A wedding usually has a reception and a party.
• Graduation (Geslaagd): When a student passes their high school exams, they hang the Dutch flag outside their house with their school bag (tas) attached to the flagpole.
• Death (Overlijden): Families send mourning cards. The funeral ('begrafenis') or cremation ('crematie') follows. You wear dark clothes and say 'Gecondoleerd' (My condolences) to the family. You don't cry loudly ('beheerst').

Common Phrases & Gestures:

• Gefeliciteerd: Say this for Birthdays, Births, Weddings, and Graduations. Give a hand (formal) or 3 kisses (friends/family).
• Gecondoleerd: Say this when someone has died. Give a hand.
• Beterschap: Write this on a card for someone who is sick.

• Huisarts: The General Practitioner (GP). Your first contact for all health issues.
• Zorgverzekering: The mandatory Dutch health insurance.
• Eigen Risico: The mandatory annual deductible you must pay for healthcare.
• Zorgtoeslag: A healthcare allowance from the government for people with lower incomes.
• Verwijsbrief: A referral letter from your 'huisarts' needed to see a specialist.
• Beschuit met muisjes: A traditional treat to celebrate a birth.
• Gecondoleerd: The word for 'condolences', said to the family of someone who has passed away.

As soon as you register in a municipality, find and register with a local 'huisarts'. Do not wait until you are sick. For your first appointment, and any hospital visit, always bring your identification (ID) and your health insurance card ('zorgpas').

• You must always go to the 'huisarts' first for non-emergency health problems.
• Health insurance ('zorgverzekering') is mandatory for everyone in the Netherlands.
• The emergency telephone number is 112.
• To see a specialist, you need a referral ('verwijsbrief') from your 'huisarts'.
• When a baby is born, visitors are served 'beschuit met muisjes'.
• When a student passes their exams, they hang the flag out with their school bag.

Navigating healthcare and family traditions are key parts of integrating into Dutch society. Knowing who to call when you're sick and how to participate in local celebrations will make your life in the Netherlands much smoother. In the next chapter, we will focus on another vital topic for families: the Dutch education system.

By the end of this chapter, you will understand:

• The different types of childcare and preschool available.
• What 'leerplicht' (compulsory education) means for you and your child.
• The structure of primary school ('basisschool').
• The three main levels of secondary education: VMBO, HAVO, and VWO.
• How parents can stay in contact with their child's school.

In the Netherlands, we define different life stages: Baby (0-1), Peuter (1-4), Kleuter (4-6), Schoolkind (6-12), and Puber (12-18).

Pregnancy & Birth: Most women see a Verloskundige (Midwife). Home birth is common. After birth, you get Kraamhulp (maternity care) at home for a week. Mothers get 16 weeks of pregnancy leave.

Health (0-4 years): You visit the Consultatiebureau regularly. They check growth/development and give vaccinations.

Childcare:

• Kinderdagverblijf: Daycare (0-4 years) for working parents.
• Peuterspeelzaal: Playgroup (2-4 years) for a few hours a week to learn and play.
• Voorschool: Preschool education for children who need extra help with language.

In the Netherlands, all children must go to school. This is called the 'leerplicht' (compulsory education). While most children start primary school at age four, it becomes mandatory from their fifth birthday. This obligation continues until they are 16 years old. After that, they must continue in education until they turn 18 or obtain a basic qualification diploma. Because of the 'leerplicht', you are not allowed to take your child on holiday during the school term. Doing so can result in a significant fine. If your child is sick and cannot go to school, you must call the school in the morning to inform them.

Primary school in the Netherlands lasts for eight years, typically from age 4 to 12. The classes are called 'groepen', from Groep 1 to Groep 8. In the first two years (Groep 1 and 2), for 'kleuters' (kindergarteners), learning is done through play, singing, and crafts. From Groep 3, at around age six, children start learning to read, write, and do arithmetic ('rekenen'). In the final year, Groep 8, the teacher gives a very important 'schooladvies' (school recommendation). This recommendation advises which level of secondary education is most suitable for the child. The school's recommendation is the deciding factor for placement in secondary school.

After primary school, around age 12, children move on to secondary education, also known as 'middelbare school'. There are three main levels, based on the primary school's recommendation:

• VMBO (voorbereidend middelbaar beroepsonderwijs): A four-year track that prepares students for practical work and further vocational training at an MBO college .
• HAVO (hoger algemeen voortgezet onderwijs): A five-year track that prepares students for higher professional education at a university of applied sciences ('hbo') .
• VWO (voorbereidend wetenschappelijk onderwijs): A six-year track that prepares students for academic studies at a research university ('universiteit') .

Many schools offer multiple levels, and students often start in a 'brugklas' (bridge class) for the first year, where it's sometimes possible to switch levels.

• Leerplicht: Compulsory education; the legal requirement for children to attend school.
• Basisschool: Primary school for children aged 4 to 12.
• VMBO, HAVO, VWO: The three main levels of secondary education.
• Schooladvies: The binding recommendation from the primary school about which level of secondary education a child should attend.
• Ouderavond: A parent-teacher evening at school where you can discuss your child's progress.
• DUO (Dienst Uitvoering Onderwijs): The government agency that manages student financing.

Dutch schools highly value parental involvement. It's important to have regular contact with the school. You can do this by attending 'ouderavonden' (parent evenings) and the shorter '10-minutengesprekken' (10-minute talks) with the teacher. Schools also ask for parent volunteers for events like school trips ('schoolreisje') or celebrations. This is a great way to support your child and get to know the school community.

• School is compulsory ('leerplicht') for children from age 5 to 16/18.
• You can be fined for taking your child out of school for a holiday during the school term .
• The primary school provides a binding recommendation ('schooladvies') for the level of secondary education .
• The three levels of secondary school are VMBO, HAVO, and VWO .
• In secondary school, books are free, but parents may be asked to pay a voluntary parental contribution ('ouderbijdrage').

By understanding the structure and rules of the Dutch education system, you can make informed choices and provide the best support for your child's future. Active participation in their school life is encouraged and valued. In the next chapter, we will shift our focus to the world of work, exploring how to find a job, understand employment contracts, and navigate the Dutch tax system.

By the end of this chapter, you will understand:

• The difference between temporary and permanent work contracts.
• How to find a job and what the application process involves.
• The role of key institutions like the UWV and trade unions.
• The difference between 'bruto' (gross) and 'netto' (net) salary.
• The basics of the Dutch tax system and how to handle your banking.

There are different types of work contracts:

• Vast werk: Permanent contract (indefinite).
• Tijdelijk werk: For a fixed period.
• Flexwerk: Via an employment agency ('uitzendbureau').
• Eigen bedrijf: Self-employed ('ZZP').
• Vrijwilligerswerk: Volunteer work (no salary, but good for experience).

Warning: Zwart werk (working without paying tax) is strictly forbidden. You have no rights and can get a fine.

To get a job ('solliciteren'), you look for a 'vacature' (vacancy). You send your CV and a Sollicitatiebrief (cover letter).

The Interview ('Sollicitatiegesprek'):

• Be on time!
• Shake hands.
• Look people in the eyes (this shows honesty).
• Wear neat clothes ('nette kleren').
• Prepare well.

You will sign an 'arbeidscontract' with your working conditions ('arbeidsvoorwaarden') like salary and 'proeftijd' (trial period).

Important Laws & Rights:

• CAO: Collective Labor Agreement for a whole sector.
• Minimumloon: The legal minimum salary.
• Arbowet: Law for safe and healthy working conditions (e.g., wearing a helmet on a construction site).
• Ondernemingsraad (OR): In companies with >50 employees, the OR represents the workers.
• Vakbond: Trade union (helps with conflicts).
• Discriminatie: Strictly forbidden at work.

If you lose your job, you must register as a job seeker ('werkzoekende') at the UWV. The UWV is the government body that manages unemployment benefits ('uitkeringen') and helps people find work. If you have worked for a sufficient period, you may be entitled to a 'WW-uitkering' (unemployment benefit). If you are not eligible for any other benefit and have insufficient funds to live on, you can apply for 'bijstand' (social assistance). While receiving benefits, you have a 'sollicitatieplicht', which means you are obligated to actively search for a job.

Every month, you receive a 'loonstrook' (payslip) from your employer. This shows your 'brutosalaris' (gross salary) and your 'nettosalaris' (net salary). Your gross salary is your total salary before deductions. Your net salary is the amount you actually receive in your bank account after 'belasting' (taxes) and 'premies' (social security contributions) have been taken out. These premiums are for things like your pension and insurance for unemployment or disability. Every year, you must file a tax return ('belastingaangifte') with the 'Belastingdienst' (Tax and Customs Administration). You may have to pay extra tax or get some money back.

• UWV: The Employee Insurance Agency; the main institution for work and benefits in the Netherlands.
• cao (collectieve arbeidsovereenkomst): A collective labor agreement that applies to an entire sector.
• Bruto/Netto: Gross salary (before tax) and Net salary (after tax).
• Belastingdienst: The Dutch Tax and Customs Administration.
• Vacature: A job opening or vacancy.
• cv (curriculum vitae): A document summarizing your education and work experience.

A 'DigiD' is your personal digital identity for accessing government websites and services online. It is essential for interacting with institutions like the 'Belastingdienst' (for filing taxes and applying for allowances), the 'UWV' (for registering as a job seeker), and your municipality. You can apply for a DigiD online once you have a 'burgerservicenummer' (BSN).

• The UWV helps people who are unemployed find work and provides benefits.
• A `cao` (collective labor agreement) contains the rules on salary and working conditions for an entire industry.
• Your `netto` salary is your `bruto` salary minus taxes and social security premiums.
• If you receive unemployment benefits, you have an obligation to actively apply for jobs.
• A `DigiD` is required for most online interactions with the Dutch government.

Understanding the landscape of work and finance is a major step toward building a stable life in the Netherlands. From securing a job to managing your taxes, you now have the foundational knowledge to navigate these systems. In the final chapter, we will take a broader look at the Netherlands, exploring the country's history and the core values that shape its society today.

By the end of this chapter, you will understand:

• Key events in Dutch history, such as the Golden Age and World War II.
• Who important historical figures like Willem van Oranje and Anne Frank were.
• The meaning of core Dutch values like freedom, equality, and tolerance.
• How history has shaped modern Dutch society and its laws.

• Year 0: Romans found cities like Utrecht and Maastricht.
• 500-1500: Middle Ages.
• 1568-1648: 80-Years War against Spain. Leader Willem van Oranje was assassinated in 1584.
• 17th Century: Golden Age ('Gouden Eeuw'). Wealth via trade (VOC). Famous art (Rembrandt).
• 1814: The Netherlands becomes a Kingdom.
• 1848: It becomes a Democracy with a Constitution ('Grondwet').
• 1914-1918 (WWI): The Netherlands remained neutral.
• 1940-1945 (WWII): Occupied by Germany. 6 Million Jews murdered. Anne Frank. Liberation on May 5th.

• 1953: Watersnoodramp (Great Flood). Large parts of Zeeland flooded. The Deltawerken were built to protect the land.
• 1970s: Arrival of many guest workers ('gastarbeiders') from Turkey and Morocco to work in factories.

Dutch society is liberally minded and values self-determination.

• Sexuality: Sex education is standard in schools. Homosexuality is widely accepted. The Netherlands was the first country to legalize same-sex marriage (2001).
• Prohibitions: Sex with a minor (<16), rape, domestic violence, and female genital mutilation are strictly forbidden.
• Medical Ethics:
• Abortion: Legal up to 24 weeks.
• Euthanasia: Allowed under very strict conditions (unbearable suffering) and only if the patient explicitly requests it.

Dutch history has shaped the country's core values. The 'grondwet' (constitution) is the foundation of these values.

• Freedom ('Vrijheid'): This includes the freedom of religion and the idea that people are responsible for their own choices.
• Equality ('Gelijkheid'): The law states that everyone in the Netherlands must be treated equally. Discrimination based on religion, background, race, or gender is forbidden. Men and women have equal rights, and it is normal for both to work and have careers.
• Tolerance ('Tolerantie'): There is a general acceptance of different lifestyles and beliefs. This is evident in the acceptance of homosexuality; the Netherlands was the first country in the world to legalize same-sex marriage in 2001. This tolerance does not extend to all acts; violence, honor killings, and female genital mutilation are strictly forbidden by law.

• Willem van Oranje: The leader of the Dutch revolt against Spain in the 16th century, considered the 'Vader des Vaderlands' (Father of the Fatherland).
• Gouden Eeuw: The 17th century, a period of great economic and cultural prosperity for the Netherlands.
• VOC (Verenigde Oost-Indische Compagnie): The Dutch East India Company, a powerful trading company from the Golden Age.
• Grondwet: The constitution, containing the most important rules and rights in the Netherlands.
• Dodenherdenking: The national Remembrance of the Dead on May 4th.
• Bevrijdingsdag: Liberation Day, a national holiday on May 5th celebrating the end of the WWII occupation.

To better understand the Netherlands, consider visiting museums like the Rijksmuseum in Amsterdam to see paintings from the Golden Age, or the Anne Frank House to learn about WWII. Exploring old city centers with their canal houses and castles also brings history to life.

• The Netherlands fought for independence from Spain, led by Willem van Oranje.
• The 17th century was the Golden Age, a time of great wealth from global trade.
• The Netherlands was occupied by Germany during World War II (1940-1945).
• May 4th is for remembering the war dead, and May 5th is for celebrating liberation.
• The core values enshrined in the constitution are freedom, equality, and tolerance.

You have now completed this guide to Kennis van de Nederlandse Maatschappij. From the practicalities of housing and healthcare to the intricacies of work, education, and the nation's history, you have covered the essential knowledge needed to navigate life in the Netherlands. This foundation will not only help you pass your exam but will also serve you well as you continue your journey in Dutch society. Good luck with your exam and your future in the Netherlands!

The police are there to help and protect you.

• Identification (ID): Everyone aged 14 and older must carry a valid ID (passport, residence permit, ID card) at all times. Police can ask to see it. In public transport, you need ID from age 12.
• Reporting a Crime (Aangifte doen): If something is stolen or you are a victim of violence, you should report it to the police ('aangifte doen'). You get an official report, which you often need for insurance.
• Contact:
• Emergency: Call 112 (Life-threatening, crime in progress).
• Non-Emergency: Call 0900-8844 (e.g., noise from neighbors, reporting a past theft).

You are registered at the municipality where you live.

• GBA / BRP: The database with your personal details. You can request an extract ('uittreksel') if you need proof of address.
• Inform the Gemeente when:
• You have a baby (within 3 days!).
• You move house (verhuizen).
• You get married or divorced.
• Someone dies.
• Documents: You can get your driving license, passport, and ID card here. Always make an appointment and bring photos that meet the strict rules.

Everyone in the Netherlands pays tax. With this money, the government pays for roads, schools, and healthcare.

• BSN (Burgerservicenummer): Your unique fiscal number (issued by the municipality).
• Types of Tax:
• Income Tax: On your salary.
• BTW (VAT): 21% or 9% on things you buy.
• Municipal Taxes: For waste and water.
• Annual Tax Return (Belastingaangifte): You must declare your income once a year (before May 1st). You might get money back.
• Toeslagen (Allowances): If you have a low income, you can apply for help: Huurtoeslag (rent), Zorgtoeslag (health insurance), Kinderopvangtoeslag (childcare).

You need a bank account for your salary and paying bills.

• Payments:
• Pin: Debit card payment (contactless).
• Acceptgiro: A yellow payment slip (becoming rare).
• Machtiging / Incasso: Automatic transfer (useful for rent and energy bills).
• Internetbankieren: Managing money via app or website.
• Rood staan: Having a negative balance (debt). This costs money in interest.

The IND decides on residence permits.

• MVV: provisional residence permit to enter the Netherlands.
• Verblijfsvergunning: Your residence card. You usually collect this within 2 weeks of arrival.
• Naturalisation: Becoming a Dutch citizen. You need to live here for 5 years, pass the 'Inburgeringsexamen' (A2 level), and pay a fee (~€900).

• Bureau Jeugdzorg: Help with parenting problems or child safety.
• Thuiszorg: Medical or practical help at home for the elderly or sick.
• Juridisch Loket: Free legal advice if you have a problem with your employer, landlord, or government.

• Aangifte doen: Official report to the police.
• Bekeuring / Boete: A fine (e.g., for biking without lights).
• DigiD: Your digital ID for government websites (Tax, Gemeente, UWV).
• Kinderbijslag: Money from the government for raising children (via SVB).