Affordable Health Insurance in the Netherlands

Do you (plan to) live or work in the Netherlands? And are you looking for affordable health insurance? Then Anderzorg is for you. With Anderzorg you can count on affordable and reliable health insurance. You can arrange as much as possible with us online. And that saves a lot of hassle. We also do not require a review of your medical history.

Basic health insurance is mandatory for everyone who lives in the Netherlands. And you won’t pay a penny too much for our Basic health insurance. You are insured for € 102 per month with € 385 mandatory deductible. With the € 500 voluntary deductible, you pay as little as € 78 per month.

Basic health insurance plan

Our Basic health insurance plan is called Anderzorg Basis. The government determines what care is guaranteed under Basic insurance. The coverage of Basic insurance plans is therefore the same for all insurers. 
Some important medical costs covered by Basic insurance are:

  • Among others, you are insured for hospitalization, medications and care by a general practitioner
  • You have the right to emergency care abroad
  • You benefit from waiting list mediation from the Care Agent

Supplemental health insurance plan

If the coverage from the Basic insurance plan is not enough, you can get supplemental insurance. You can choose from several supplemental health insurance plans at Anderzorg. Choose to compose your own supplemental or a supplemental which is already composed for you.

  • Supplemental health insurance: Anderzorg Budget
  • Supplemental health insurance for young people: Anderzorg Jong
  • Supplemental health insurance: Anderzorg Extra
  • Supplemental dental insurance: Anderzorg Tand

Compose your own supplemental health insurance

It's also possible to compose your own supplemental health insurance with cover for physiotherapy, dentistry and world coverage.

  • Physiotherapie 9 or 18
  • Dentistry € 250 or € 500
  • World coverage

Basic health insurance premium in 2016
Anderzorg Basis Monthly premium
Adults (18 and over) with € 385 mandatory deductible € 102
Adults (18 and over) with voluntary deductible from € 78
Children (younger than 18) Free

Anderzorg Budget
Anderzorg Budget Monthly premium
Adults (18 and over) € 10,95

Anderzorg Jong
Anderzorg Jong Monthly premium
Health insurance for young people € 15,75

Anderzorg Extra supplemental insurance
Anderzorg Extra Monthly premium
Adults (18 and over) € 14,95
Children (between 0 and 17) € 0*

* Note: this only applies if the child is also insured on the policy of a parent who has Anderzorg Extra.

Anderzorg Tand supplemental health insurance
Anderzorg Tand Monthly premium
Adults (18 and over) € 16,95

Compose your own supplemental
Physiotherapy 9 € 3,95
Physiotherapy 18 € 24,95
Dentisty 75% € 250 € 9,50 
Dentisty 100% € 250 € 12,95
Dentisty 100% € 500 € 28,95
World coverage € 0,95

Then choose Anderzorg Basis and do not add any supplemental insurance options. Then opt for the voluntary € 500 deductible and pay your premium annually. You will then pay € 936 per year. This comes out to € 78 per month. Think carefully about whether you are able to pay the mandatory and voluntary deductible (€ 885) all at once!

Basic health insurance premiums with voluntary deductible

The table below shows the premium you pay if you choose the voluntary deductible. Insured individuals under the age of 18 do not pay a premium for Basic health insurance and can therefore not choose the voluntary deductible.

Deductible above the mandatory € 385 Monthly discount Monthly premium
€ 0 - € 102
€ 100 € 4 € 98
€ 200 € 7 € 95
€ 300 € 11 € 91
€ 400 € 16 € 86
€ 500 € 24 € 78

Should you opt voor the voluntary deductible?

If you opt for the voluntary deductible, your premium will be lower. That is obviously an advantage. But there is also a drawback: if you incur medical costs, you must pay them yourself until your deductible has been reached. We recommend that you carefully consider whether you are able to pay an amount equal to the voluntary deductible. Otherwise you might find yourself in financial difficulties and that can be very frustrating.

Payment discount

If you pay your premium quarterly, semi-annually or annually you will receive a discount on your health insurance premium. Paying per month is naturally also an option.

Payment period Discount
Annually 2%
Semi-annually 1%
Quarterly 1%

The biggest advantage of our Basic insurance plan is the low monthly premium. But there are even more advantages:

  • One of the lowest premium health insurance
  • Compose your own health insurance 
  • High quality care
  • Easy online access

You can apply for AnderZorg health insurance using the following form: Application Form Medical Insurance. Print the form, fill it in and send it to: AnderZorg, Postbus 1177, 7500 BD Enschede

Apply online

Note: Online application is written in Dutch and only possible if you have a Dutch (postal) address.

Then you must apply for Basic health insurance in the Netherlands in the following situations:

  • You work in paid employment or are self-employed in the Netherlands
  • You work in the Netherlands for short periods of time (e.g. seasonal work)
  • You work part-time in the Netherlands

If you have questions, you can ask them on Facebook, Whatsapp (+ 31 06-22103755), e-mail or chat with Anderzorg online.

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