Affordable Health Care Insurance in The Netherlands

Basic health care insurance is mandatory for anyone who is living and/or working in The Netherlands and is over 18. Children under the age of 18 are insured via the insurance policy of their caretakers. No premium is charged.

Health care insurance in the Netherlands

The basic health care insurance plan

Anderzorg Basis covers the costs of medical essential care, such as:

• Hospital treatment and stay. 
• General practitioner care. 
• Maternity care.
• Obstetric care.
• Medication.

Mandatory and voluntary excess

When you receive medical care, you have to pay part of the costs yourself. For 2020, the Dutch government determined the amount of mandatory excess to be 385 euro. You can choose to add voluntary excess up to 500 euro a year and receive a premium discount of maximum 25 euro a month. 

• Mandatory excess applies to everyone over 18.
• (Mandatory) excess is used before reimbursement from your basic insurance.
• The excess does not apply to gp-care, maternity care or medical care to children under 18.
• The excess does not apply to medical care from supplemental insurance.

Supplemental health insurance

Compose your own supplemental that covers physiotherapy, dentistry or global healthcare coverage. Or choose suplemental health care focussed on youngsters (Anderzorg Jong) or supplemental dental insurance (Anderzorg Tand).