Compare health insurance policies in The Netherlands: how does it work?
If you work in The Netherlands, applying for basic health insurance is compulsory. Even if you have a part-time job or paid internship.
On this page, you can see an overview of the available insurance companies in The Netherlands. They are sorted by the monthly premiums they offer. With the filter on the left sidebar, it is possible to change your preferences regarding:
- Choice of hospitals
- Deductible excess
- Coverage (supplemental health insurances)
By default, no filter options are selected. The premiums shown by default correspond with the basic healthcare packages. The coverage for the basic healthcare package is already quite extensive and is more or less equal for all health insurance companeies. Refer to the ‘health insurance’- tab for more information.
Every time you select a filter, the comparison program will find the cheapest health providers in your situation, and sort them by monthly premium.
Fill in your year of birth; please note that the premiums may change later.
Select ‘free choice’ in the ‘hospitals’ section of the filter if you wish to select your own hospital and care provider. Note that most health insurance funds (without the free choice option) have an extensive range of hospitals you may choose from. Refer to the ‘hospitals’ tab for more information.
Select the deductible excess. A higher excess will result in a lower premium but also has some disadvantages. Refer to the ‘excess’ tab for more information.
Select any supplementary coverage you wish to have, such as, dental insurance, physiotherapy or insurance abroad.
- Dental insurance: covers dentist treatments up to a certain amount/percentage.
- Physiotherapy: covers a certain amount of physiotherapy treatments per year.
- Insurance abroad: although the Dutch standard health insurance already covers emergency medical care abroad up to the Dutch tariffs, treatments in other countries may be more expensive, meaning you need to pay a percentage of the bill yourself. To extend your cover, you may choose either Europe or Global cover to get a higher (or full) reimbursement for treatments abroad (Europe or Worldwide).
Note: premiums will increase when you select supplementary insurances.
Once you have completed the filter options, refer to the results with an overview of all available health insurance providers. They are sorted by the monthly premium. By clicking proceed you will redirected to the healthcare provider page where you can fill in your personal information and choose the insurance fund you want.
Once you have applied, you will receive your policy form and insurance card within a few working days.
Note: Some health insurance companies have a dedicated page for English speaking customers. If available, this is indicated below the ‘proceed’ button.
When comparing, keep an eye out for:
- The customer rating
- Specials deals
- The best price