Excess and cost of insurance

To cover the cost of Dutch healthcare you will need to pay

  • a monthly premium for your Basic Health Insurance (and for any supplementary insurance you may haves selected) ,
  • pay yourself, to a maximum of your excess, the full amount of some services and
  • pay a personal contribution for some specific medication and products.
  • if you are self-employed or an entrepreneur a percentage of your income.
  • costs of products and services that are not covered by your insurance package.
  • costs of not contracted healthcare providers that are not fully covered by an in-kind (‘natura’) policy.
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Insurance premiums ➜

If you have a Basic Health Insurance policy, you will be charged as follows: Health Insurance providers will charge you a monthly premium that is dependent upon the type of policy and level of excess that…

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Excess ➜

Cost of Healthcare services covered by the Basic Health Insurance policy are fully reimbursed with the following exceptions: For some medication and medical aids, you will have to pay a personal contribution. For most costs a…

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Personal contribution ➜

For some health care costs, you need to pay a personal contribution (‘Eigen Bijdrage’). This means that you must pay some of the costs yourself. Your insurer pays the rest. You will have to pay a…

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Contribution for self-employed ➜

Employers pay for their employees a contribution to cover the cost of health care. This contribution that is a percentage of their income, is paid to the Tax authorities. If you are self-employed or an entrepreneur…