Different health insurers
There are many health insurers in the Netherlands. These insurers have different products and profiles, so there are more than 900 different insurance policies to choose from. With this many choices it’s sometimes difficult to choose an insurance policy. That’s why with Independer, you’ll easily compare and find the best health insurance policy for you.
Buying and cancelling health insurance
Every year, health insurance companies may change the coverage and costs of their policies. Sometimes the Dutch government also makes changes that affect the coverage of the basic insurance. You can also change your insurance policy every year. So it’s wise to check every year whether your health insurance still suits you.
The basic insurance covers a range of medical care, medicine and hospital stays. Do you need extra care, such as dentistry or physiotherapy? Then you can take out supplemental insurance. You pay more premium for supplemental insurance on top of the costs for your basic insurance.
Health insurance costs
The compulsory basic insurance costs approximately € 100 per month. The cost of supplemental insurance adds on between € 2 to € 150 per month depending on the policy coverage.
Basic insurance is compulsory
The basic insurance is compulsory for everyone who lives and works in the Netherlands. The basic insurance covers, for example, general practitioner care, the ambulance and postnatal (in Dutch: kraamzorg) care. You can also opt for supplemental health insurance. But when you take out insurance, you can also choose between four different policies: restitution, combination, in-kind and budget. There are major differences between these policies. In particular, the premium and the number of contracted healthcare providers can vary greatly.
Supplemental health insurance
Supplemental health insurance is not compulsory. Do you need a lot of medical care that is not covered by the basic insurance? Then you can choose for extra insurance, for example for the dentist or psychologist. The more comprehensive the coverage, the more premium you pay.