Health insurance in the Netherlands; the changes

In short you can expect the following changes in the health care insurance (Dutch: zorgverzekering) for 2018 in the Netherlands:

  • According to calculations made by the government, the monthly premiums will increase with 6,75 euro on average
  • The mandatory excess will stay on the same level: 385 euro
  • The healthcare allowance (zorgtoeslag) will increase significantly in 2018. Singles will receive up to 11 euro per month extra and for families the allowance may go up to 16 euro per month extra.

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

Monthly premium changes

The exact premiums for the insurance for 2018 are not known yet. Only insurer DSW has announced its premium for next year: 107,50 euro per month.

The other insurance companies will announce these between mid-October and mid-November 2017. However, the Ministry of Health, Welfare and Sports have already made it clear that they expect the premiums to be increased by more than 6 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:

2017 2018
Income-related contribution (employees) 6,65% 6,90%
Income-related contribution (companies and pensioners) 5,40% 5,65%

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

Changes to mandatory excess 2018

In addition to the nominal premium calculation, the Ministry announced on Prince’s Day (Prinsjesdag) an increase in mandatory excess of 15 euros in 2018. However, this change was reverted the next day by former minister Gerrit Zalm (the current formation advisor of the Dutch parliament). He stated that the premium will remain on the same level in 2018: 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. No reimbursements are removed from the basic healthcare package. Instead, several additions are made:

  • Patients with knee- and hip arthrosis will receive up to 12 treatments of physiotherapy from the basic healthcare package.
  • New medication to treat hepatitis C, breastcancer and congestion of the intestines.
  • Hospital transport for oncology patients that receive immune therapy.