In the Netherlands, everyone must take out basic health insurance. This insurance provides coverage for essential medical care and is substantively the same at every insurer.
What care is covered by the basic health insurance?
The basic health insurance includes reimbursement for, among other things:
- Visits to the general practitioner (no deductible)
- Treatments in hospital and specialist care
- Medicines (provided they are included in the reimbursement list)
- Psychological help (basic and specialised mental health care)
- Maternity and postnatal care
- Necessary medical aids
- Physiotherapy (from the 21st session)
- Ambulance assistance and emergency care
What is the deductible?
For 2024, the mandatory deductible is € 385 per year. This means that you pay the first € 385 of healthcare costs yourself, with the exception of general practitioner visits and a few other forms of care.
What is not reimbursed by the basic health insurance?
- Dental care for adults (except specific treatments)
- First 20 physiotherapy treatments
- Alternative treatment methods
- Glasses and contact lenses
- Cosmetic surgery
Costs of the basic health insurance
The monthly premium for the basic health insurance varies by provider:
- Average premium in 2024: approximately € 140-160 per month
- Nature policy: often cheaper, but limited choice of care providers
- Restitution policy: higher costs, but more freedom of choice
Frequently asked questions about the basic health insurance
Am I required to take out basic health insurance, even if I don't need care?
Yes, in the Netherlands, health insurance is mandatory for everyone who lives or works here. Being uninsured is not an option.
Can an insurer reject my application for basic health insurance?
No, insurers are obliged to accept everyone for the basic health insurance, regardless of health status.
When can I switch health insurers?
You can switch annually. Cancel your current policy before 1 January and take out a new one before 1 February.
Additional information for residents of Westland
For legal questions about your health insurance, you can go to the Juridisch Loket Westland. In addition, disputes fall under the jurisdiction of the District Court of The Hague. Do you need help choosing an insurance policy or filing a complaint? Contact local advice centres or use online tools such as Zorgwijzer.
Practical tips and frequently asked questions
What if I don't pay my premium on time?
If the premium is not paid, you will first receive a reminder. In case of persistent non-payment, a demand letter with additional costs follows. Ultimately, the CAK can collect the premium via wage garnishment, with a possible fine of € 438 (2024). So always pay on time.
Can I adjust my deductible?
The standard deductible is € 385 (2024), but you can voluntarily increase it to € 885 for a lower premium. Reducing it below € 385 is not possible. This is only advisable if you expect low healthcare costs and have a financial buffer.
Is physiotherapy for children reimbursed?
Yes, for children under 18 years old, the first 20 physiotherapy treatments per year are fully covered. From the 21st treatment, the deductible applies. For adults, reimbursement starts from the 21st treatment for chronic conditions.