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Source: Pavel Danilyuk

Choosing a health insurance policy

Last updated: 9/13/2023, 3:19 PM
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When you take out health insurance, you can choose from a variety of packages. It is a good idea to think about what kind of care you need. Then you can choose a package that fits your needs.

Here are the main features of basic insurance

  • Basic insurance is mandatory if you live or work in the Netherlands - for children too.

  • The basic package is determined by the government. The contents of the basic package can change every year. The government also redefines the amount of the deductible each year.

  • The deductible does not apply to some types of care, such as general practitioner care or obstetric care. You do not have to pay an amount yourself for this care.

  • A health insurer is required to accept you for the basic package.

  • The cost of an insurance package is the same for everyone. So everyone with the same package with the same insurance company pays the same amount - it doesn't matter how old or healthy you are.

These are the main features of the supplementary insurance

  • With supplementary insurance you are insured for (part of the) care that is not included in the basic package. For example, for extra costs of treatment at the dentist.

  • There are different packages, all of which are supplements to the basic insurance. The health insurer determines the conditions and reimbursements for each package.

  • Supplementary insurance is not mandatory. Choose the supplementary insurance that fits well with what you need.

  • A health insurance company may refuse you for supplementary insurance. For example, older people who need a lot of care. In practice, this happens very infrequently.

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