Compare Dutch health insurance

There are three different plans for basic health insurance (basisverzekering) in the Netherlands. They differ in the way they limit your choice in healthcare providers (keuzevrijheid zorg). With beperkte keuze (naturapolis) your choices are limited and even certain hospitals are excluded from coverage. Of course, this is the cheapest option. Ruime keuze (combinatiepolis)offers wider coverage. Most hospitals will be included and limitations are mostly set for special care, such as physical therapy. Vrije keuze (restitutiepolis) offers coverage for all certified healthcare providers, but is more expensive than the other plans.

In our comparator you can either choose “vrije zorgkeuze” or select “all options” . If you choose “all options” you will see all 3 basic plans in your comparison overview.

Basic health insurance in the Netherlands comes with a certain amount of ‘excess/deductible/own risk’ (eigen risico), set by the Dutch government. Currently this amount is set at a minimum of €385 up to a maximum of €885 a year. This is the amount you have to pay for healthcare yourself before the insurance company starts covering.

Note that some basic healthcare (e.g. seeing your general practitioner) is excluded from your eigen risico and therefore always paid by the insurer. Medicine (not all, here you can check if your medicine is covered: medicijnkosten.nl)or consulting a medical specialist in the hospital, for example, is not.

It’s up to you to decide how much you want to increase your excess. If you don’t expect to use a lot of healthcare, it’s probably wise to set your excess level a bit higher. Doing so can drastically reduce your monthly payment.

Dental care is not covered by basic health insurance. If you plan on visiting a dentist or if you expect dental problems, it’s wise to get additional dental insurance (tandartsverzekering). You can choose how big a percentage of your bill will be paid by the insurance company and up to what amount.

Basic healthcare is covered by basic health insurance. If you have special needs, however, you can choose additional coverage plans (aanvullende verzekering). These cover care such as physical therapy (fysiotherapie), alternative healthcare (alternatieve geneeswijzen), glasses or lenses(brillen en lenzen) and world coverage (buitenlanddekking). Additional coverage can greatly increase your monthly payment, so make sure to consider whether it’s actually profitable.

That’s it! You’re all set. Compare health insurance and get the best health insurance for your needs and, of course, at the best price. Just fill in your gender (geslacht) and your date of birth (geboortedatum) and we’ll show you the cheapest options. Do you want to take out insurance for your entire family? Then you have to select the “Gezinsleden meeverzekeren” option. Once you’ve filled in your details, you will find some filters on the left that let you pick and choose between the different attributes of coverage you’ve read about so far.