Where does surgery happen?
Scroll slowly. For each operation we zoom in on where it happens, and you see what changes. Schematic, not to scale.
Chest, genital, face and voice: what is possible, what is covered, where, and how long is the wait?
What happens in each operation, and where. Tap what you are looking for, or scroll slowly.
Scroll slowly. For each operation we zoom in on where it happens, and you see what changes. Schematic, not to scale.
Through a small cut in a skin fold of your neck, the surgeon reduces the prominent part of the thyroid cartilage, staying clear of where your vocal folds are attached. Only covered for a passability problem, with prior authorisation, and if it clearly protrudes more than 5 mm.
Covered: only with authorisation
An implant is placed behind the breast gland or behind the chest muscle, usually through a cut in the fold under the breast. Covered if your breasts do not or barely grow on hormones: no fold under the breast and less than 1 cm of gland tissue on an ultrasound. How long you must take hormones first varies per insurer: from 6 months to 2 years.
Not covered? DUS-I subsidy up to €3,830, until 1 February 2028
The surgeon removes gland tissue and fat and makes the chest flatter. With smaller breasts this can be done through a cut around the areola. With larger breasts there is a cut under the breast, and the nipples are often made smaller and moved. Covered, with prior authorisation.
Gender Clinic: 14 days to intake, then ±8 weeks
In a hysterectomy and oophorectomy the uterus and ovaries are removed, often by keyhole surgery through a few small cuts. Discuss fertility preservation first: the standard asks that you have done it or consciously declined it. Without ovaries you still need testosterone, among other things for your bones.
Covered
Through a small cut in the scrotum, the testicles are removed. Your body then makes much less testosterone, and testosterone blockers are usually no longer needed. Can be done on its own, or as part of a vaginoplasty.
Covered by basic insurance
The surgeon creates a vagina, clitoris and labia from tissue you already have. Sometimes peritoneum or a piece of bowel is also used for depth. Afterwards you need to stretch the vagina regularly (dilation) for a long time. Conditions in the standard: 18+, 12 months of hormones, 12 months in your gender role, genital hair removal completed, BMI 18 to 30, not smoking.
Amsterdam UMC, UMCG, Radboudumc and Gender Clinic
Testosterone makes the clitoris grow. The surgeon releases it so it comes forward as a small penis. You keep sensation, and penetrative sex is usually not possible. Covered.
The surgeon builds a penis from skin, fat and blood vessels from your forearm or thigh. A nerve is connected for sensation. This usually takes several operations; an erection implant follows later and is also covered. Radboudumc does phalloplasty without urethral lengthening (1 year of hormones, not smoking, BMI 18 to 30) and refers to Amsterdam UMC for urethral lengthening.
Gender Clinic: 9–12 months wait
Not everyone wants everything, and that is fine. If you are non-binary, coverage depends on the diagnosis and a justification per treatment; this differs per case and per insurer. Have your practitioner justify your care request well. Abroad, basic insurance covers planned care up to the Dutch rate, usually only with prior authorisation.
Covered if there is no or hardly any breast growth after hormones (agenesis or aplasia): no fold under the breast and less than 1 cm of glandular tissue on ultrasound. Prior authorisation needed. How long you must use hormones differs per insurer: 6 months to 2 years.
Not covered? Government subsidy (DUS-I): up to € 3,830 for implants (or € 13,720 for another technique), once. Conditions: 18+, at least 1 year of hormones, apply before surgery. Runs until 1 February 2028.
Per the standard: 18+, 12 months of hormones, 12 months living in your gender role, genital hair removal finished, BMI 18–30, no smoking. Covered by basic insurance.
Where: Amsterdam UMC, UMCG, Radboudumc and Gender Clinic. Since November 2025 Amsterdam UMC sends less complex operations to Gender Clinic.
Only covered for a "passability problem", with prior authorisation. Adam's apple: if it clearly protrudes more than 5 mm.
Voice surgery covered if your voice stays below 160 Hz after speech therapy.
Covered, with prior authorisation. At Gender Clinic 14 days to intake, then about 8 weeks to surgery. Also at Amsterdam UMC, UMCG and Radboudumc.
Hysterectomy and oophorectomy are covered. Discuss fertility preservation first: the standard asks that you have done it or consciously declined.
Covered, as is an erectile implant after phalloplasty. Radboudumc does phalloplasty without urethral lengthening (conditions: 1 year hormones, no smoking, BMI 18–30) and refers to Amsterdam UMC for lengthening. Gender Clinic: 9–12 months wait.
The 2019 standard does not mention non-binary people. Coverage depends on a diagnosis of gender incongruence and an indication per treatment. Whether, for example, a mastectomy without hormones is covered varies per case and per insurer. Ask your clinician to motivate your request well.
Basic insurance covers planned care abroad up to the Dutch rate, usually only with prior authorisation. Within the EU an S2 form is also possible. Transvisie advises: get written approval, agree the amount and arrange aftercare in the Netherlands.
There are waiting lists abroad too: at UZ Ghent over 2,300 people wait at least 3 years for a first appointment.