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 for free via the insurance policy of their caretakers. At Anderzorg you can additionally choose to pay a voluntary excess.
You will then be given a discount on the premium. Please use the form to apply for health care insurance (English).
Download the application form
Calculate your premium and apply online (Dutch)
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 2022, 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 24 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.
Basic health insurance at Anderzorg
At Anderzorg we like to keep it personal and simple. That's why we offer two seperate health care insurance plans: Anderzorg Basis and Anderzorg Compact. The most important difference has to do with contracted and uncontracted healthcare providers.
Anderzorg Basis
Do you prefer to visit any dentist, general practitioner or pharmacist and still get fully compensated? With Anderzorg Basis we've got you covered.
Anderzorg Compact
If you don't mind looking up a contracted dentist, general practioner or pharmacist before visiting, Anderzorg Compact is the right fit for you.
Anderzorg Flex
Next to your basic health care insurance plan, you're free to select a supplemental package. In case of an accident in The Netherlands or abroad, you might face high unexpected healthcare costs. With Anderzorg Flex physiotherapy and dental costs because of an accident are covered. The same goes for first aid in a foreign country.
Besides the coverage of these costs, Anderzorg Flex gives you access to the following healthy lifestyle apps:
- Headspace: relax after a hard day of work.
- Sworkit: stay fit with personalised workouts.
- Fabulous: learn to achieve your goals.
- FysioSelfCheck: selfcare for physical discomfort.
How to get the lowest fee
Choose Anderzorg Basis and do not add supplemental insurance options. Then opt for the voluntary 500 euro excess and pay your premium annually.
Be aware: your medical costs can reach a maximum of 885 euro (the mandatory and voluntary excess). Make sure you are able to pay this all at once, if necessary!
| Deductible above the mandatory € 385 |
Monthly discount |
Monthly premium Basis |
Monthly premium Compact |
| € 0 |
- |
€ 119,25 |
€ 114 |
| € 100 |
€ 4 |
€ 115,25 |
€ 110 |
| € 200 |
€ 8 |
€ 111,25 |
€ 106 |
| € 300 |
€ 12 |
€ 107,25 |
€ 102 |
| € 400 |
€ 16 |
€ 103,25 |
€ 98 |
| € 500 |
€ 23,50/€ 25,50 |
€ 97,25 |
€ 88,50 |
Payment discount
If you pay your premium quarterly, semi-annually or annually you will receive an extra discount.
| Payment period |
Discount |
| Annually |
1% |
| Semi-annually |
0,5% |
| Quarterly |
0,5% |