Compare the cheapest health insurances of 2024…

In the Netherlands, we pay a lot for our health insurance. Make sure you don’t overpay for your health insurance in 2024.

Discover the cheapest health insurance by making a thorough comparison. Also, compare the policy conditions. You can list the premiums within 30 seconds.

Start comparing now and find out which Dutch health insurance is the cheapest…

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Translations comparison tool

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  • Geboortedatum = Date of birth
  • Postcode = Postal code
  • Geslacht = Gender
  • Gezinsleden mee verzekeren = Insuring family members

Freedom of choice

Keuzevrijheid zorgverleners en ziekenhuizen

  • Geen voorkeur = No preference
  • Volledige keuzevrijheid = Complete freedom of choice

Choose your excess

Choose your excess

Additional health insurance

Aanvullende dekkingen

  • Tandheelkundige hulp vanaf 18 jaar = Dental care from 18 years old
  • Fysiotherapie = Physiotherapy
  • Hulp in het buitenland = Assistance abroad
  • Brillen en lenzen = Glasses and contact lenses
  • Alternatieve geneeswijzen = Alternative therapies
  • Specifieke dekking toevoegen = Add specific coverage

 

Compare health insurances from Dutch health insurers

Written by Joost van Herpen

Lastenvrij was founded in 2014 by Joost to compare health insurances. Since then, Lastenvrij also features the cheapest car insurances, home insurances, and energy suppliers. In 2009, Joost obtained his diploma in Finance Banking & Insurance.

He earned his Bachelor of Commerce in 2013. He has worked at SNS, ABN AMRO, Rabobank, Verhoeven Verzekeringen, and the Veldsink Groep (VCN). Joost is knowledgeable about health insurances but does not provide advice on them. At Lastenvrij, you can only compare health insurances yourself – and we have a very good health insurance comparison tool.

Disclaimer: No rights can be derived from this information. It is intended for general purposes. Always consult the information provided by official (government) agencies and the terms and conditions of health insurers.

Joost van Herpen en Roel Wonders
Joost van Herpen and Roel Wonders | Know a lot about health insurances

Cheapest health insurances 2024, excess 885 euro

The cheapest health insurance for 2024 with a deductible of 885 euros costs 119.45 euros per month and is offered by Aevitae – a wholesale insurance provider. This basic insurance policy can only be obtained through a group of intermediaries that collaborate with them.

Menzis and Vink Vink also offer a cheap basic insurance with a deductible of 885 euros. The premiums are 122.75 euros and 122.90 euros per month, respectively.

Important: Do not compare health insurances based solely on price, but also consider factors such as freedom of choice and policy conditions.

Aevitae logo

€ 119,45 p.m.

Menzis

€122,75 p.m.

Vinkvink

€ 122,90 p.m.

unive

122,95 p.m.

De Christelijke zorgverzekeraar

€ 122,95 p.m.

Zilveren Kruis ziezo

€ 122,95 p.m.

VGZ United Consumers

€ 122,95 p.m.

Just zorgverzekering CZ

€ 123,50 p.m.

For the most up-to-date premiums, always visit our health insurance comparator and the official website of the health insurer.

Cheapest health insurances 2024, excess 385 euro

FBTO offers the cheapest health insurance with a standard deductible of 385 euros. The premium is only 131.95 euros per month. FBTO also allows for the addition of separate, supplementary modules.

Vink Vink and De Friesland also offer a cheap basic insurance with a standard deductible. These cost 132.90 euros and 136.95 euros per month, respectively.

Important: Do not compare health insurances based solely on price, but also on factors such as freedom of choice and policy terms.

fbto-logo

€ 131,95 p.m.

Vinkvink

€ 132,90 p.m.

De Friesland

€ 136,95 p.m.

unive

138,95 p.m.

VGZ United Consumers

€ 138,95 p.m.

Menzis

€140,25 p.m.

De Christelijke zorgverzekeraar

€ 140,45 p.m.

Zilveren Kruis ziezo

€ 140,45 p.m.

For the most up-to-date premiums, always visit our health insurance comparator and the official website of the health insurer.

What is health insurance?

Health insurance is a policy that covers medical expenses and medications. Medical expenses are costs associated with your health. Examples of medical expenses include visits to the general practitioner, hospital admissions, or an MRI scan.

Is health insurance mandatory in the Netherlands?

Yes, health insurance is mandatory for everyone over the age of 18 who lives or works in the Netherlands. This is because the Netherlands is a welfare state, where everyone has the right to good care.

You are required to take out a basic insurance policy. This basic insurance covers essential care, such as visits to a general practitioner, hospitals, prescription drugs, obstetrics and maternity care, and emergency services.

You can also take out supplementary health insurance policies – which insure more than just the basic package – but these are not mandatory.

Good to know: Only conscientious objectors, prisoners, and asylum seekers are not required to take out health insurance.

Are Dutch health insurers required to accept all applicants?

Not only are you required to take out basic health insurance, but Dutch health insurers are also obligated to accept your application for the basic insurance – even if you are very old or ill.

This is different from some countries abroad. In some countries, health insurers do not have a general obligation to accept. Insurers can reject applications or, for example, exclude coverage for certain conditions.

In the Netherlands, in addition to basic insurance, you can also take out supplementary insurances. Since supplementary health insurance is not mandatory, an insurer may reject it.

Insurers are also allowed to determine the conditions attached to a supplementary health insurance. For example, the insurer can use a waiting period. Then, for instance, you won’t receive reimbursement for certain treatments for the first 6 months.

Dutch solidarity system

The Dutch healthcare system is different from many other healthcare systems in the world because it is based on solidarity. This essentially means that the healthy part of the population pays for the sick part, ensuring that all Dutch citizens have access to essential care.

Additionally, the Netherlands provides healthcare allowances. People with lower incomes receive these allowances, significantly reducing their health insurance premiums. As a result, individuals with higher incomes effectively contribute more to the system, supporting those with lower incomes.

Healthcare Allowance in 2024

Part of the Dutch system of solidarity is the healthcare allowance, a subsidy provided to low-income individuals to assist with paying their health insurance premiums.

In 2023, the maximum healthcare allowance for singles was 154 euros per month. Couples receiving allowances together could get up to 265 euros per month.

In 2024, the healthcare allowance will be reduced, while health insurance premiums continue to rise. The maximum healthcare allowance for singles will be 127 euros per month. Couples receiving the allowance can get up to 243 euros together in 2024.

Good to know: How expensive your health insurance will be in 2024 does not determine whether you receive healthcare allowance. Whether and how much healthcare allowance you get is determined by your income and assets.

Basic health insurance

Below is all the information about basic health insurance. This information can help in finding a good and affordable insurance for 2024:

What does basic health insurance cover?

The mandatory basic health insurance covers essential care – the kind of care that, according to the government, everyone truly needs.

Every year, the government determines what is covered within this basic insurance. This is established in the Health Insurance Act (Zorgverzekeringwet, Zvw).

Therefore, the coverage of the basic insurance is the same for every insurer, because it is legally determined which care must be included in the basic insurance.

Generally, the following care is covered by the basic insurance:

Pharmacy care

Medications can be reimbursed based on the basic package.

Medicines listed in the Geneesmiddelenvergoedinssysteem (GVS) (Drug Reimbursement System) can be covered by the basic health insurance. Sometimes, additional conditions apply or a co-payment is required.

It is also possible for dietary preparations to be reimbursed from the basic health insurance.

Mental health care

The basic health insurance can provide coverage for Medical Mental Health Care in the case of psychological disorders that have been diagnosed according to the DSM (Diagnostic and Statistical Manual of Mental Disorders).

Geriatric rehabilitation care

Geriatric rehabilitation care can be covered within the basic package.

Geriatric rehabilitation care is a type of care where an individual must stay in a care facility under the supervision of a specialist in geriatric medicine (SO).

Often, a person receives this rehabilitation care after being admitted to a hospital for specialist treatments, for example, after a stroke or receiving a new knee or hip. This care is intended to assist vulnerable elderly individuals in returning home and participating in society.

General practitioner care

General practitioner care is also included in the basic package.

General practitioner care encompasses all care provided by a general practitioner (or, for example, practice assistants and practice nurses). This care includes, for example, the assessment and treatment of various medical complaints.

Aids and appliances

The basic health insurance can also provide coverage for a variety of aids and devices.

Often, the health insurer investigates whether and for what exact purpose the aid or device is needed, and whether it has been proven to effectively contribute to solving the health issue.

Examples of aids and devices that can be covered under the basic package include aids for: breathing, alerting, contraception, mobility, consciousness disorders, diabetes, and those for the hard of hearing and deaf.

Integrated care

The basic health insurance can also provide coverage for integrated care.

Integrated care is the care for chronic conditions that involves multiple healthcare providers and doctors. Examples of integrated care include diabetes, COPD, and cardiovascular risk management (CVRM).

This care can be aimed at managing these chronic conditions, thereby improving well-being and preventing further complications. This could be done, for example, by offering support with eating habits.

Maternity care

The basic health insurance can also provide coverage for maternity care.

Maternity care is the support and care given to the mother and baby by a maternity nurse during and after childbirth.

This support is provided in addition to midwifery care.

Specialist medical care

Specialist medical care typically refers to care provided by a medical specialist.

This care is often reimbursed from the basic health insurance, but certain rules apply. Some specialist care may be excluded from basic insurance, such as plastic surgery, for example.

For instance, you may need a referral from a doctor to receive help from a medical specialist.

The insurer may require that the specialist care demonstrably contributes to improving health. Furthermore, the health insurer may need to give prior approval for certain treatments.

Dental and oral care up to 18 years

The basic health insurance may provide coverage for dental costs for insured individuals under 18 years old.

Often, dental expenses are fully covered by the basic insurance without charging a deductible. Orthodontic treatments – such as treatments related to braces – are generally not covered by the basic insurance.

For insured individuals above 18 years old, dental costs are not automatically covered within the basic insurance. Treatments by an oral surgeon and dentures may be reimbursed. However, there may be a deductible or co-payment.

Insured individuals above 18 years old may opt to take out additional dental insurance, which provides coverage for dental costs.

Paramedical care

Paramedical care may be covered under the basic insurance. Paramedical care includes physiotherapy, exercise therapy, speech therapy, occupational therapy, and dietetics.

The reimbursements and conditions for the various forms of paramedical care may vary. Additionally, various conditions may need to be met to qualify for reimbursement.

For example, physiotherapy and exercise therapy may only be reimbursed for chronic complaints and conditions listed on the so-called chronic list.

Accommodation

The basic insurance may reimburse various forms of medical care that require hospitalization.

This includes stays in a hospital, rehabilitation center, or mental health care institution (GGZ-instelling).

Midwifery care

The basic insurance may provide coverage for maternity care.

Maternity care involves care for the (expectant) mother and her child by a midwife, general practitioner, or gynecologist.

Transportation

The basic insurance may also provide coverage for the costs of transportation to and from a hospital, healthcare provider, or healthcare facility. This transportation may occur, for example, in an ambulance, (private) car, taxi, or public transportation.

Community nursing

Home care is nursing and personal care provided in the insured’s environment. This care is provided, for example, due to illness or physical limitation.

Examples of home care include wound care, assistance with dressing and undressing, assistance with bathing and showering, and skincare.

Care for the sensory impaired

Sensory disability care (SD-care) may be covered under the basic insurance.

Sensory disability care is care for individuals who have difficulties with seeing, hearing, or speaking due to a language development disorder.

This care consists of assistance from various specialists who treat these limitations and thereby improve the quality of life.

Care abroad

The basic insurance may also cover the costs of healthcare abroad.

Typically, it must involve unexpected, emergency care. For non-emergency care – care that is not immediately necessary – permission is often required.

The basic insurance provides worldwide coverage, but some costs may not be reimbursed. You may need supplementary health insurance or travel insurance with coverage for medical expenses for this.

Note! This is just general information, and no rights can be derived from it. For more detailed information about the coverage of basic health insurance, visit: The National Health Care Institute of the Netherlands.

What types of basic insurances are there?

So, you must take out basic insurance, and these basic insurances offer the same coverage. However, you can choose between 4 types of basic insurances.

The difference between these 4 basic insurances lies in the freedom to choose a healthcare provider.

Below are the 4 types of basic insurances:

Free-choice policy

The free-of-choice is the most expensive policy because it provides the most freedom of choice. Therefore, you have the freedom to choose your own hospital or healthcare provider.

The word “restitutie” means “reimbursement”. It may be that you have to pay the healthcare costs yourself first, and then these will be reimbursed by the health insurer.

However, you usually don’t have to pay any costs upfront. Virtually all health insurers with a reimbursement policy have partnerships with almost all healthcare providers. They arrange the payments together.

You can typically also visit healthcare providers with whom your health insurer does not have a partnership. The costs are often still reimbursed for 100%, but they must be customary and fall within the statutory rate.

If the healthcare costs from the healthcare provider with whom the insurer has no partnership are extremely high, then it may be that the costs are not fully reimbursed.

Managed care policy

The Managed care policy is cheaper than the reimbursement policy, but it also offers less freedom of choice.

With a naturapolis, generally, the care itself is insured – and not the healthcare costs. You can visit a healthcare provider with whom your health insurer has a partnership.

Your health insurer and healthcare provider work together to handle the payments of the bills. So, you don’t have to pay any costs upfront, and this is very convenient.

It’s often still possible to visit a healthcare provider with whom your insurer doesn’t have a partnership. However, you usually won’t receive full reimbursement of the costs – so you’ll have to pay a portion yourself.

Combined policy

The combination policy is generally cheaper than a reimbursement policy and more expensive than a natural policy.

As the name suggests, the combination policy is a combination of a reimbursement and a natural policy.

With this type of policy, you have access to care itself (natural) for some healthcare services and reimbursement (restitution) for others. This means that you are free to choose a healthcare provider for some services.

For other services, it’s important to consider which healthcare providers your health insurer has agreements with in order to qualify for (full) reimbursement.

Economy policy

The budget policy is, as the name suggests, the cheapest policy. Consequently, it also offers the least freedom of choice.

Essentially, a budget policy is a natural policy, but the health insurer collaborates with fewer healthcare providers. With a budget policy, you have access to fewer healthcare providers compared to a regular natural policy.

Therefore, you have even less freedom of choice.

If you visit a healthcare provider with whom your insurer does not have a partnership for the budget policy, you may have to pay the costs yourself (partially).

Good to know: You can usually go to any hospital for emergency care – even with a natural policy. Emergency care is medical assistance that cannot wait. Think of experiencing a heart attack.

The excess on the basic insurance

On a basic insurance, there is a mandatory deductible. Anyone over 18 years old who incurs healthcare costs covered by the basic insurance must pay a deductible.

The deductible is the portion of the costs that you must pay yourself. You pay the deductible within a calendar year, so from January 1, 2024, to December 31, 2024.

385 euros in 2024

In 2023, and also in 2024, the mandatory excess is 385 euros. You are responsible for covering the first 385 euros of insured healthcare costs.

Once your healthcare costs exceed 385 euros in a calendar year, the bills will be covered by the health insurer.

The excess is mandatory

It’s not possible to take out health insurance without an excess because the excess is legally mandatory.

Because the excess is mandatory, people don’t simply use healthcare services unless it’s absolutely necessary.

Additionally, health insurance premiums are lower because individuals are required to pay a portion of their healthcare costs themselves.

Voluntarily increasing the excess

So, in 2024, you always have a basic insurance policy with an excess of at least 385 euros.

You cannot decrease this excess, but you can increase it. You can opt for a voluntary excess. You often have the option to choose from the following excess amounts:

  • 485 euros (+ 100 euros)
  • 585 euros (+ 200 euros)
  • 685 euros (+ 300 euros)
  • 785 euros (+ 400 euros)
  • 885 euros (+ 500 euros)

The higher the voluntary excess, the more healthcare costs you may have to cover yourself, and thus the cheaper the health insurance becomes. 885 euros is the maximum excess on a health insurance policy.

Increasing the excess results in a lower premium, but also brings a risk. You actually only benefit from a higher excess if you don’t incur any healthcare costs in 2024.

However, you never know if you will need healthcare. If you unexpectedly require a lot of healthcare, the costs can become higher.

Calculating the risk: You can calculate the risk. You can subtract the premium discount for increasing the excess from the excess itself. For example, the health insurance may cost 126.95 per month with a 385-euro excess, but 111.95 euros with an 885-euro excess.

You would then pay 180 euros less in health insurance premiums but take on an extra risk of 500 euros (from 385 euros to 885 euros). You subtract the 180 euros saving from this 500 euros.

So, you could incur a loss of 320 euros if you unexpectedly require healthcare.

Paying the deductible (in installments)

The health insurer can reimburse your healthcare costs and then charge the excess. Your excess is often deducted via direct debit.

It may also take some time for your health insurer to charge the excess.

It’s often possible to pay the excess in installments. You can pay the excess in advance, for example, when you are certain that you will incur healthcare costs.

It’s generally also possible to spread out the payment of the excess, starting from the moment the healthcare costs are actually incurred. For example, if you have incurred at least 385 euros in healthcare costs in May 2024, it’s possible to pay that 385 euros in installments over the remaining months of 2024.

When is there no deductible?

On nearly all healthcare covered by the Healthcare Insurance Act falls under the basic insurance, there is an excess.

This includes visits to a specialist, blood tests, medications, and emergency care.

However, some healthcare services from the basic package may not have an excess:

  • General practitioner care (including care provided by practice assistants within the general practitioner’s office)
  • Visits to an out-of-hours general practitioner service
  • Maternity care and postnatal care
  • Borrowed medical equipment
  • Home care
  • Care provided under the Wet langdurige zorg (Wlz) of Wet maatschappelijke ondersteuning (Wmo)

Additional health insurance

In addition to the mandatory basic insurance, you can voluntarily take out additional health insurance. This additional health insurance is not mandatory but entitles you to extra care.

You are then insured for additional medical expenses that are not covered by the basic insurance.

Good to know: additional health insurance does not have a legally required deductible. The treatments covered by supplementary health insurance do not count towards the legally required deductible of the basic insurance. However, it may be that the supplementary health insurance does not fully cover the costs of a treatment. In that case, you will need to pay a portion of the treatment yourself.

Additional insurances

Physiotherapy

Physiotherapy focuses on treating complaints related to the human musculoskeletal system. Think of back pain, shoulder problems, or a sports injury.

Often, physiotherapy is not covered by the basic insurance – with a few exceptions.

You can take out additional health insurance (or add an additional module) that provides coverage for physiotherapy. The number of treatments covered depends on the health insurer and the supplementary health insurance.

When your supplementary insurance or module is added to a natural or budget policy, usually only the treatments of physiotherapists with whom your insurer has a partnership are reimbursed.

With the reimbursement policy, there is often complete freedom of choice.

Glasses and contact lenses

Glasses and contact lenses are generally not covered by the basic insurance, except when they are medically necessary. You can take out additional health insurance for glasses and contact lenses.

The supplementary health insurance does cover glasses and contact lenses – often once every two years.

The coverage provided by insurers for glasses and contact lenses varies. Naturally, the premium and the amount of reimbursement can differ.

With some health insurers, you can only go to specific partners to receive a (full) reimbursement. Often, insurers collaborate with opticians such as Hans Anders, Pearle, and Specsavers.

Alternative medicine

Alternative medicine includes therapies that fall outside traditional Western medicine. Examples of alternative medicine include acupuncture, chiropractic, homeopathy, and osteopathy.

Alternative medicine is not covered by the basic insurance. However, you can take out additional health insurance for it.

The supplementary packages offered by health insurers generally differ based on the maximum reimbursement per treatment and per year. Furthermore, not all therapies are covered by all insurers.

Assistance abroad

The Dutch basic insurance covers emergency care abroad. You often have coverage up to the maximum amount that this emergency care would cost in the Netherlands.

In some countries, healthcare costs may exceed the maximum Dutch rate. Think, for example, of countries like Norway.

For peace of mind, you can take out additional health insurance for emergency care abroad. This provides better coverage for situations abroad.

You often have the choice between better coverage in Europe or worldwide.

Goed to know: This additional health insurance may offer similar coverage to travel insurance (covering medical expenses). Therefore, you may be double insured.

Good to know: Most health insurers offer supplementary packages. These packages insure a combination of physiotherapy, glasses and lenses, and alternative medicine.

Individual additional modules

However, some health insurers – including FBTO – offer individual modules, including modules for Muscles & Weights, Eye Care & Orthodontics, Care & Recovery, and Dental Accident.

This allows you to tailor your additional insurance more specifically to your needs for certain treatments.

No obligation to accept

You are legally obliged to take out a basic insurance policy. The health insurer is required to accept your application. However, you are not legally obliged to take out additional health insurance, so insurers also have no obligation to accept.

In practice, additional health insurance policies are not often rejected. However, insurers may impose additional conditions, such as a waiting period or medical acceptance.

There is often a waiting period for orthodontic treatment, for example, of one year. This means you pay the premium for a whole year but are only entitled to reimbursement in the following year.

For (comprehensive) supplementary health insurance, the insurer may also require medical acceptance. Based on a questionnaire about your medical situation, the insurer determines whether you can take out the supplementary health insurance.

Additional dental insurance

For individuals aged 18 and older, only medically necessary dental costs are covered. An example of dental costs that may be covered under the basic insurance is assistance from an oral surgeon.

Generally, other dental costs are not covered by the basic insurance. You can take out additional dental insurance for this purpose. This covers, for example, regular check-ups, filling cavities, and tooth extractions.

Dental insurance for children up to 18 years old

For children up to 18 years old, most dental costs are covered by the basic insurance.

Certain treatments, including crowns, bridges, and orthodontics, are usually not covered by the basic insurance for children up to 18 years old. It is possible to take out additional dental insurance for this purpose and add your child to your policy.

Good to know: There is often a waiting period, for example, for orthodontic treatment. You must be insured for at least a year before your child is entitled to reimbursement. This means that you pay the premium for the additional dental insurance for a whole year but are only entitled to reimbursement from the second year of insurance for orthodontic treatment.

Maximum percentages and amounts

Health insurers offer various dental insurance plans. The difference often lies in the maximum reimbursement per year and the percentage of costs covered.

When comparing dental insurance plans, you can choose a plan, for example, that covers 75% of a maximum of €250, €500, or €750. This means that you may receive up to 75% of €250 reimbursed – so a maximum of €187.50. You would then need to cover the remaining €64.50 yourself.

You can also choose a dental insurance plan that covers 100% of the costs. This means that you will be fully reimbursed, for example, up to €150, €250, or €750.

Good to know: The dental insurance plan that covers 75% is naturally cheaper than the plan that covers 100%. Additionally, a plan with a higher maximum reimbursement is naturally more expensive.

Medical acceptance

Health insurers may also apply medical acceptance for dental insurance, also known as ‘medical underwriting.’ You would then need to fill out questions about the health status of your teeth.

Based on this information, the insurer assesses whether you are likely to incur high dental costs in the short term. The insurer then determines whether you can take out dental insurance – or whether your application will be rejected.

Important: Answer the questions honestly. Providing incorrect information can have serious consequences. You may need to pay for the incurred dental costs yourself, and the insurer may terminate the policy.

Waiting periods

Some insurers (that do not use medical acceptance) have waiting periods.

This means that you are only entitled to reimbursement for a dental treatment after a certain period, for example, one year. You must pay the premium during this period, but you do not yet have the right to reimbursement.

This waiting period often applies only to certain treatments, such as the placement of crowns and bridges or orthodontic treatment.