Affordable health care insurance The Netherlands

Affordable Health Care Insurance in The Netherlands

At Anderzorg you can count on an affordable and reliable health care insurance. Calculate your premium and use the form to apply.

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 premiumPlease use the form to apply for health care insurance (English).

Download the application form

Calculate your premium and apply online (Dutch)

The benefits of Anderzorg

  • Sharp monthly premium.
  • Compose your own health care insurance package.
  • High quality care in the Netherlands.
  • Easy online access.
  • No questions about your medical history.
  • Take advantage of the free health program of SamenGezond.

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.

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
€ 0 - € 116
€ 100 € 4 € 112
€ 200 € 7 € 109
€ 300 € 11 € 105
€ 400 € 16 € 100
€ 500 € 25 € 91

Payment discount

If you pay your premium quarterly, semi-annually or annually you will receive an extra discount.

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

Premium overview

  Monthly premium 
Anderzorg Basis Monthly premium
Adults (18 and over) with € 385 mandatory deductible € 116
Adults (18 and over) with voluntary deductible from € 91
Children (younger than 18) Free
Anderzorg Jong* (young people) € 17,95
Anderzorg Extra* supplemental insurance (Free for children 0 -17 insured with a parent with Anderzorg Extra) € 15,95 
Anderzorg Tand* (dental) supplemental health insurance € 19,95 
Or compose your own supplemental health insurance:   
Physiotherapy  € 7,50 
Tand 75% € 250 (dental) € 11,50  
Tand 75% € 500 (dental) € 29,95 

*You can not choose these supplemental insurances anymore. In case you already had chosen Jong, Extra or Tand, you can keep them.

I live abroad but work in The Netherlands. Do I have to apply for Dutch Basic health insurance?

You must apply for Basic health care insurance in the Netherlands when:

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

Op de website van Anderzorg maken we gebruik van cookies. We doen dit om te zorgen dat de website naar behoren functioneert, om het gebruiksgemak te vergroten en om onze website te verbeteren op basis van analyses. Daarnaast gebruiken we marketingcookies om content en advertenties te personaliseren en voor social media toepassingen. Ga je akkoord? Dan geef je Anderzorg toestemming voor het plaatsen van alle soorten cookies. Wil je dit liever niet? Dan kan je via de link “instellingen aanpassen” je voorkeur aanpassen. Meer informatie over cookies vind je in onze cookiepolicy.