Health insurance in the Netherlands; the changes

In short you can expect the following changes in the health care insurance (Dutch: zorgverzekering) for 2016 in the Netherlands:

  • According to calculations made by the government, the monthly premiums will increase with 7,5 euro’s on average
  • The mandatory excess will increase from 375 to 385 euro annually
  • Hearing aids for children will be fully covered by the insurer as of 2016
  • Addition of sports medicine to the basic healthcare package
  • Provisory addition of two new treatments for lumbar hernia and breast reconstruction

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

Monthly premium changes

The exact premiums for the insurance for 2016 are not known yet. The insurers will announce these between mid-October and mid-November 2015. However, the Ministry of Health, Welfare and Sports have already made it clear that they expect the premiums to be increased by more than 7 euro’s 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:

2015 2016
Income-related contribution (employees) 6,95 percent 6,75 percent
Income-related contribution (companies and pensioners) 4,85 percent 5,50 percent

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

Changes to mandatory excess 2016

In addition to the nominal premium calculation, the Ministry announced on Prince’s Day (Prinsjesdag) an increase in mandatory excess of 10 euros in 2016. So next year every adult will have a mandatory excess of 385 euros.

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. No reimbursements are removed from the basic healthcare package. Instead, several additions are made:

  • Hearing aids for children (until 18 years old) will be reimbursed fully by the health insurance provider.
  • PTED; a treatment for lumbar hernia
  • AFT; a Autologous Fat Transplantation-treatment for breast reconstruction

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