In the Netherlands, everyone must take out basic health insurance. This insurance provides coverage for essential medical care and has the same substantive conditions with every insurer.
What care is covered by the basic insurance?
The basic insurance reimburses various forms of care, including:
- Visits to the general practitioner (no deductible)
- Treatments in the hospital and specialist care
- Medicines (provided they are included in the reimbursement list)
- Psychological help (basic and specialised mental health care)
- Maternity and postnatal care
- Necessary medical aids
- Physiotherapy (from the 21st session)
- Ambulance services and acute care
What is the deductible?
In 2024, the mandatory deductible amounts to €385 per year. This means you must pay the first €385 in healthcare costs yourself, with the exception of general practitioner visits, maternity care, and a few other items.
What is not covered by the basic insurance?
- Dental care for adults (except specific procedures)
- The first 20 physiotherapy treatments
- Alternative treatment methods
- Glasses and contact lenses
- Cosmetic surgery
Costs of the basic insurance
The monthly premium for the basic insurance varies by provider:
- Average premium in 2024: between €140 and €160
- Naturapolis: cheaper, but limited choice of care providers
- Restitutiepolis: higher premium, but more freedom of choice
Frequently asked questions about the basic insurance
Am I required to take out basic insurance, even if I don't need care?
Yes, in the Netherlands, health insurance is mandatory for everyone who lives or works here. Being uninsured is not an option.
Can an insurer reject my application for basic insurance?
No, insurers are obliged to accept everyone for the basic insurance, regardless of health or other factors.
When can I switch health insurers?
You can switch annually. Make sure to cancel your current insurance before 1 January and take out a new one before 1 February.
Additional information and assistance in Zoetermeer
For legal questions about your health insurance, you can go to the Juridisch Loket Zoetermeer. They offer free advice on rights and obligations regarding health insurance. In addition, disputes fall under the jurisdiction of the District Court of The Hague, where you can submit a case if necessary.
Practical tips for residents of Zoetermeer
As a resident of Zoetermeer, it is useful to check whether local care providers, such as general practitioners and physiotherapists, have contracts with your insurer, especially with a naturapolis. This prevents unexpected costs. Additionally, compare premiums and conditions via platforms such as Independer to choose an insurance that suits your situation.