There are some insurance companies that offer a ‘zero’ excess with a higher monthly fee, and equally some companies allow you to specify a higher personal voluntary excess for lower monthly costs. This is called the ‘personal excess’, or eigen risico in Dutch. With most insurance policies, the first 385 euros (2022) of medical expenses are your responsibility. Many insurance companies offer (for example) dental, eye health, or physiotherapy packages for a small extra charge per month. If you would like to also have your dental, physio, or other treatments covered you could also look at an insurance package that provides extra cover. The premium for this policy is usually higher. You will have to pay the bills yourself and submit the receipts to your insurance company which will reimburse you. This option is usually cheaper than restitution as it limits your flexibility to select medical care.Īt all times you are able to pick any health care provider you want to go to. Your insurance will pay your health care provider without needing further payment from you. You will have to see a health care supplier selected by your insurance company in order to get your costs fully covered. Your insurance company will directly contract health care providers to deliver services to you. You will have to select one when you pick a health insurance provider. There are 2 different kinds of insurance policies. Medical assistance during a trip abroad.Medical care by obstetricians and midwives.Medication (some may come at a premium).Medical care by General Practitioners (GPs) and medical specialists.The following services are covered within this package, which costs around 100 euros per month at most providers: The premium does differ between insurance companies. All health insurance companies need to offer this basic plan to everybody without exception and must charge all policyholders the same premium, regardless of their age or state of health. The government decides on the standard package of health insurance. You can change health insurance provider once per year, and the change must be made before the end of December. However, most insurance companies will offer a ‘bolt on’ for a small extra monthly fee that will cover these types of care. What does a basic policy cover?Īs mentioned, Dutch basic health insurance tends not to cover dental, mental, and complementary healthcare. The CAK will send one warning letter after 3 months, then another a month later, and will finally issue you with a fine and sign you up for insurance on your behalf if you do not get a policy yourself. You must register for health insurance within 3 months of arriving in the Netherlands, otherwise you will receive a letter from the CAK (website available in Dutch), the public body in charge of making sure everyone is insured. Many employers have special deals with insurance companies so that employees can access preferential rates, too. Children up to the age of 18 are covered by their parents’ policy. There are around 40 of these in the Netherlands, and a variety of comparison sites to help you find the best and most comprehensive cover. Deadline = 31 December 2022.Once you have registered in the BRP (and have a BSN), it is time to register with a health insurance company. Use the 'Compare Health Insurances' button underneath and start your comparison. Health insurance in the Netherlands | Types of insurances.Health insurance in the Netherlands | The application process.Need help with finding the best insurance for you? Call us via 020-2611603. Many people are over-insured which means that their insurances covers more than they need and therefore they pay a too high premium. Having issues with determining your preferences? Think about what care you need and how often you made use of it in the past. Dental care or physiotherapy is covered by an additional insurance. is already covered by the basic health insurance. Most care, like medication, the GP and hospital care and stay. In our comparator, you can fill out your preferences. On a yearly basis, over 1.000.000 people compare health insurances on. This distinguishes ZorgKiezer from its other websites. The website always shows the cheapest insurance based on your preferences. Our comparator makes it possible to compare health insurances based on premium, coverage, conditions, service and discount.Ĭompare today and apply for a Dutch Health Insurance Compare health insurances Door: Redactie -įor 15 years ZorgKiezer has been the largest independent website where people can compare all health insurances in the Netherlands.

Compare health insurance plans