Compare Dutch health insurance

Compare Dutch health insurance

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  • How to compare?
  • Health insurance
  • Hospitals
  • Excess
  • About this tool

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 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.

Stepwise help

Every time you select a filter, the comparison program will find the cheapest health providers in your situation, and sort them by monthly premium.

Step 1

Fill in your year of birth; please note that the premiums may change later.

Step 2

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 care providers (without the free choice option) have an extensive range of hospitals you may choose from. Refer to the ‘hospitals’ tab for more information.

Step 3

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.

Step 4

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. 

Step 5

Once you have completed the filter options, refer to the results with an overview of all available 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 your plan.

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

What is basic health insurance in the Netherlands?

Dutch law dictates that all Dutch residents (including those with a residence permit) are insured for the basic healthcare insurance (basisverzekering in Dutch). This basic healthcare insurance covers essential medical care, such as:

  • Visits and treatments by a general practitioner
  • Pharmaceuticals
  • Hospital care and other medical care, operations and treatments performed by doctors and physicians, such as surgeons, paediatricians, cardiologists and oncologists.
  • Physiotherapy (only for some chronic conditions)
  • Dental care (until the age of 18)
  • Pregnancy and birth care
  • Emergency transport
  • Emergency medical care abroad (according to Dutch standards and tariffs)

I am I obliged to apply for Dutch health insurance?

When you are unsure whether it is mandatory for you to apply for a Dutch health insurance, for example, when you are a student. Visit this page for more information.

The overview above shows (by default) all insurance providers and their monthly premiums for basic healthcare.

Zorgtoeslag (financial aid)

Expats and students are often entitled to zorgtoeslag (health insurance aid) from the government which will help you to compensate the costs of Dutch health insurance. There are some conditions which must be met in order to claim financial compensation:

  • Be 18  years or older
  • Have a Dutch health insurance
  • Have a residence permit and a BSN (burger service nummer)
  • Have a job (besides your studies)
  • Income may not exceed 27.857 euro for singles or 35.116 for families (2017)

The maximum financial compensation is 88 euro per month. On belastingdienst.nl you can apply for zorgtoeslag.

More information on the healthcare system in the Netherlands:

Which hospitals and care providers can I choose?

Although the basic healthcare coverage is identical for all healthcare providers, there can still be a difference between the different healthcare providers. This difference is related to the hospitals and medical clinics, whom have contracts with healthcare provider’s insurance policy.

When you are ill or require planned treatment, for example, if you need a replacement knee or if you suffer from cancer, you need to be treated by a doctor or physician in a hospital or medical clinic. However, it is possible that not all hospitals or clinics have an agreement with the healthcare provider. This depends on the insurance policy of the healthcare provider.

There are three different health insurance policies in the Netherlands:

Restitutiepolis (free choice policy):

  • Full reimbursement for all hospitals (according to policies and prices set by the healthcare authorities and providers)
  • Higher premiums

Naturapolis (extensive choice policy):

  • Full reimbursement and cover for all hospitals and clinics that have a standing agreement with the healthcare provider. The available of hospitals and caregivers is mostly sufficient for your situation.
  • Lower reimbursements for hospitals and clinics that do not have a standing agreement with the healthcare provider
  • Average premiums

Budgetpolis (limited choice policy):

  • Full reimbursement for all hospitals and clinics that have a standing agreement with the healthcare provider. Please note that available choice of hospitals limited to approximately 15 to 45 hospitals medical clinics.
  • No or limited reimbursements for hospitals and clinics that do not have a standing agreement with the healthcare provider
  • Lower premiums

Important: for urgent (emergency) medical care and treatment, for example, in case of a car accident, you will always be covered/reimbursed for the costs made in any Dutch hospital, regardless of your chosen policy.

If you have any questions related to the healthcare policies, do not hesitate to contact us: +31 (0) 10 34 000 20

What is excess?

The deductible excess, or simply: excess, refers to the amount you have to pay first before the healthcare provider reimburses you for medical care you receive. The deductible excess stacks up during a year and resets at the start of a new year. The health insurer will start to reimburse when the deductible excess is fully paid for (in a certain year).

The obligatory excess changes each year. In 2017, all insured pay a minimum of 385 euro per year on excess.

The deductible excess stacks up during a year and resets at the start of a new year. It is possible to receive a major discount on the monthly premium by increasing the excess. The maximum allowed amount is 885 euro per year. Of course, this also induces an increased financial risk. Hence, it is not recommended to increase you excess when you have a regular need for medical care or medicines.

For students, youngsters and others who are generally health and fit, increasing the excess may turn out to be beneficial.

Exclusions

Excess does not apply for all types of health care. To be specific, visiting a general practitioner (huisarts), birth care and supplementary health care are not subject to excess.

What do we do for you?

On ZorgWijzer.nl it is possible to compare different health insurance policies with each other based on different parameters, such as cover, monthly premiums and customer rating. Our goal is only to compare the policies at hand.

ZorgWijzer.nl does not provide recommendations or advice. We only mediate between you and the health insurance company. The health insurance company will be able to answer any questions you may have or assist you in closing a policy.  

How do we compare?

In order to make an accurate comparison, we will ask you to fill in a few personal details and preferences. By using your information we are able to make a solid comparison and show you the results.

How complete are the results?

Our goal is to compare an extensive range of health insurance policies. However, we do not have a standing agreement with all health insurance companies in The Netherlands. Refer to this link for more information about the insurers we work with. 

How do we get paid?

ZorgWijzer.nl is committed to offering compressive information about health insurance policies and offers free comparisons. In order to cover the costs made we have to generate revenue. Therefore, we get a kickback fee from the health insurer whenever a visitor closes a policy through ZorgWijzer.nl. However, the fee may differ depending on the health insurer, it does not influence the results shown.

ZorgWijzer.nl is registered with the Chamber of Commerce with identification number: 64810372. Moreover, we are licensed by the Authority Financial Markets (AFM) under number: 12044266.