Dutch people seem to have way too much insurances.
I don't it was a free choice and it is because we all want to play it on safe.
It's more that were talked into it or even forced to have one.
Health insurance is no longer a free option.
Pity for you if you can not afford to pay the fee of generally speaking 100 euro's/an adult or more. Your bill is getting higher and higher and if you have debts they will not help you.
If you buy a house, need a loan, a life insurance is part of it.
The first beneficial is the bank, next your partner/children.
The liability insurance is one everyone should have.
If you damage something and do not have a fat bank account the insurance pay for it.
If you drive a car you need at least an other liability insurance. A car accident caused by you will pay out the damage of someone else's car and personal damage.
A contents insurance might be helpful. It doesn't the only payout if you are robbed but accidents like your kid letting water out of the aquarium on your floor can be paid by the insurance too.
There are funeral insurances although they do not take care of everything. In most cases you pay a lifetime for it.
They mainly arrange everything around the funeral (cards, coffee plus cheap cake, might pick up the body but a tombstone is not included).
Schools have insurances too just like the town/city you live in!
At least some have. If something happens with your child 30 minutes before and after school it is on their account. If it comes to it that insurance will not pay out and is a joke.
There are traveling insurances.
A part of it has a health or even car and funeral insurance in it.
The bike insurance (if your bike is broken or stolen) exists too.
Living a modern life means all kind of insurances you might never need but together it is a high cost of living. Something you can not eat.
Do you have insurances?
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No, no insurances for me
Yes, I have 1-2 insurances
Yes, I have 1-4 insurances
Yes, I have more as 6 insuranced