Health insurance in the Netherlands; the changes

In short you can expect the following changes in the health care insurance (Dutch: zorgverzekering) for 2019 in the Netherlands:

  • According to Zorgwijzer, the monthly premiums will increase with 6 euro per month on average
  • The mandatory excess will stay on the same level: 385 euro
  • The healthcare allowance (zorgtoeslag) will increase significantly in 2019. Singles will receive up to 4 euro per month extra and for families the allowance may go up to 16 euro per month extra.

Unique: visit our health insurance comparison tool for the Netherlands (in English) on Zorgwijzer.

Below, you will find these changes explained in more detail.

Monthly premium changes

The exact premiums for the insurance for 2019 are not public yet. Insurer DSW will be the first to announce their premium.

The other insurance companies will announce these between mid-October and mid-November 2019. However, the Ministry of Health, Welfare and Sports have already made it clear that they expect the premiums to be increased by more than 10 euro per month.

Each year the Ministry establishes the nominal premium calculation. This is the minimal amount that an insurer has to charge for the standard cover to break-even.

Income-related contributions

Dutch Citizens that earn a salary will pay a fixed percentage of their income as contribution for the health care system. The percentages will change slightly next year. Please refer to the table below:

2018 2019
Income-related contribution (employees) 6,90% 6,95%
Income-related contribution (companies and pensioners) 5,65% 5,70%

The income-related contribution for long-term healthcare will remain 9,65 percent.

Changes to mandatory excess 2019

In addition to the nominal premium calculation, the Ministry announced on Prince’s Day (Prinsjesdag) that the premium will remain the same: 385 euro per insuree.

The excess is applicable for most types of basic healthcare, such as hospital treatments, medication and mental healthcare. However, some healthcare types are excluded from excess, such as visiting a General Practitioner, maternity care and all healthcare that is covered by supplemental insurance.

Changes to basic health cover

The standard ‘basic’ health cover will overall stay the same. Several additions are made:

  • Healthcare program for people with obesity (GLI)
  • Exercise therapy (oefentherapie) for patients with COPD is insured from the first treatment
  • Reimbursement for medical transport for patients that need a check-up or a medical examination.

However, paracetamol (1000 mg) and food supplements are no longer insured through the basic insurance.